Can medical insurance from your spouse's policy cover you if you have a preexisting condition which makes you not able to buy any insurance by oneself?
In my state, Alabama, it depends on the insurance company. Some don't have the pre-existing clause while some do. But, also in this state, you can only be added to a spouse's insurance under certain conditions if you were added when he or she first enrolls. You need to check with the spouse's HR department at work.
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Is pregnancy considered a preexisting condition if the person purchased insurance after they were pregnant but did not know they were pregnant?
Answer . Yes it is, still pre-existing, even if it wasnt to your knowledge.. Answer . HIPAA is the law.. Best chances for HIPAA to apply are if you go from a group plan to a group plan. Evidentally, individual to group and nothing to group are loop holes, so they can probably get out of it, …or make you wait a certain amount of time.. Answer . According to a Federal law that I found on the internet, GROUP health insurance cannot consider pregnancy a pre-existing condition if they currently have maternity coverage. However, this law does not apply to INDIVIDUAL health insurance. So, if you've changed jobs, and you now have a GROUP health insurance plan, then there is a good chance that you may be covered.. I just recently got individual insurance through BCBS and I was pregnant and did not know when I requested maternity coverage. BCBS policy says that pregnancy can not be considered a pre-existing condition and their definition of a pre-exisiting condition is a condition that you can been receiving treatment and/or professional advice and help for for 6 months or more before opting for coverage. Also, they say that except for pregnancy all pre-exisiting conditions require a 180 day waiting period. (MORE)
If you have medical insurance in IN and have a major claim within 1 year that was not a preexisting condition will the policy cover it?
Don't see any reason why not. Have you read your policy, any "funny" provisions? Just turn in the claim and let them process it. If you need a more techical answer try steveshorr/research tools
Does a new spouse's insurance have to cover you if you have a pre-existing condition even if you currently have your own plan but plan to cancel it?
Yes, but you have to do it within 30 days of the marriage. This presumes you are talking about Employer Group Insurance. For more details see http://www.steveshorr.com/late.enrollee.htm http://www.dol.gov/elaws/ebsa/health/11.asp
Not with a properly named beneficiary. If the beneficiary is the owner can the life insurance policy be attached by a lien? If the person is deceased than you now have the money. I guess it depends on what entity is putting a lien on. Certainly the IRS can do anything they wish. I don't think any …other entity can put a lien on the money any more than they could your 401K or Savings account. If you are truly concerned you should check with your lawyer. (MORE)
What is considered a preexisting medical condition that will likely cause denial of health insurance?
\n. \n Answer \n. \n. \ncancer or any other terminal disease. not sure about chronic health problems like diabetes or high blood pressure.\n. \n Answer \n. \nFrom a tactical perspective, any illness that the insurance company has determined will likely cost them more money than they can… make on premiums. There are some illnesses that they think are more costly but they can offer coverage profitably if they offer you a higher premium.\n. \nA quick review of 'Declinable Conditions' (those that will result in an automatic decline under all circumstances) from Blue Cross of CA is about 120 items. There are probably another 100 conditions that they may choose to deny coverage depending on severity. \n. \nAs for the answer above, insulin dependent diabetes is almost always a decline, high blood pressure will generally be declined only if it is uncontrolled. (MORE)
Answer . A named non-owner policy. Or a dealers blanket policy (what car dealers use)
If you are informed you need a follow-up medical test shortly after starting on a new insurance plan can the insurance company claim you have a preexisting condition?
Answer . Yes, putting prejudice aside, facts are facts. If there is medical documentation from the past showing a condition, that is considered "pre-existing"
Is pregnancy considered a preexisting condition if you move from a group insurance plan with a Mexican insurer to an American small business group insurance plan?
\n. \n Answer \n. \nCA AB 1672 aka Insurance Code 10700 et seq\n. \n- see the term ELSEWHERE below\n. \n(r) "Creditable coverage" means:\n(1) Any individual or group policy, contract, or program, that is written or administered by a disability insurer, health care service plan, fraternal b…enefits society, self-insured employer plan, or any other entity, in this state or elsewhere, and that arranges or provides medical, hospital, and surgical coverage not designed to\nsupplement other private or governmental plans. (MORE)
Answer . \nNo homeowner policy will cover a vehicle that was stolen. Insurance varies from state to state but generally you can buy comprehensive protection only which will cover theft.
Answer . Not a life insurance policy....The insured party would be considered the policy owner therefore it could not be issued without their knowledge & consent.
Answer . The cap is generally called the Maximum Out-of-Pocket. This is the most you pay in any year before the insurance company pays for 100% of covered expenses. It is the 'covered expenses' however that can get you. Many plans put limits on some coverage or specifically exclude some items fro…m the MaxOOP. A good example is chiropractic of physical therapy. It is very common to see a specific number of visits limitation in a policy. Consequently even if you have exceeded your MaxOOP if they limit your physical therapy to 12 visits per year, any visits after that are on you. (MORE)
Major medical insurance covers a variety of services. Some of theseinclude a certain number of regular doctors' checkups annually,dental insurance, as well as prescription medication.
Your 21 year old son had his own insurance policy and was recently killed in an auto accident. Who is responsible for any medical expenses not covered under his policy?
Answer . I'm sorry to hear of your loss. His Estate would be responsible. For more details, follow the link to FAQ's on probate, etc.
What if I have to have a costly medical procedure done but have not met my yearly deductible will my insurance cover any of it?
If it's a costly procedure, then you'll probably go over the deductible amount and get paid on everything over that. Check your policy or brochure.
NO... You need to let the car insurance company know that you bought a new car.
That depends on the insurance company that you want to get coverage through, you would need to speak to an agent from individual companies that could tell you if you are not eligible for coverage. Note: the agent can not actually deny your coverage, only the underwriters can do that, but most agents… should be able to tell you if a particular condition would exclude you from being able to complete their application process.. Some examples would be diabetes, severe heart conditions, severe mental illness, cancer ... (MORE)
there are some companies that will let you have insurance with preexisting health issues; (globe life, aarp, and mutual of Omaha--to list a few). most companies charge more for premiuns--but these have a set rate. check them out first. then if tou're not satisfied; get on medicad or medicare. you ca…n sign up at your loca ssi-d office to get started. if this don't work;, then find a insurance company that will work wit you on a monthly payment plan. just keep looking--you will find one. i know there is a way to do this. don't give up. my older sister was turned down for a insurance policy--for burial benefits. she found a place where she could pay funeral expense payments--in advance, at a funeral home. her health is also too bad for burial insurance.don't give up;, they are a lot of options left for you to check out yet. sincerely Julia parmer (MORE)
Look for another insurance company. There are Insurance companies that do high risk, however, be prepared to pay higher monthly premiums. If you cannot be covered, look into a one man group.. Michael. FindYourPolicy.com
Any Health Insurance company can reject anyone with a pre existing condition. Look for another Health Insurance company if you are rejected by one.
In order for anyone to be covered under anyone's health insurance, they must be listed on the policy and a premium must be collected for them. If your spouse did not include their names on the plan and no premium is being collected for them, then they won't have coverage.
Most auto insurance covers anyone you allow to drive your car, except people living in your house.
If you all ready have insurance on a car you sold or traded in all you have to do is contact your insurance company . Depending on the new car, your age, and driving record the cost will change for the insurance. If you don't have insurance at all you are required to get insurance within a timeframe… set by law and by the lender. (MORE)
Yes. Many insurance companies will place a waiting period on maternity coverage to ensure that the policyholder is not purely purchasing the policy to take advantage of a maternity benefit. The typical waiting period for a maternity benefit is between 12 and 24 months from the start of the plan. …It is important to note, however, that it can be possible to receive a newborn coverage benefit at a much earlier time (in some cases as early as 6 months). If you have your delivery during the policy waiting period for maternity then none of your expenses will be reimbursed by the insurer. It is important that all policyholders understand how long the waiting period is for all benefits on their health insurance plan. (MORE)
You may be able to find information by doing a search on "Guaranteed Issue" policies in your state.
Can I be denied health insurance due to preexisting medical conditions if my job switches health insurance carriers?
No, because group insurance is normally guaranteed-issue, so they have to insurance no matter what conditions you have.
If you are covered under your spouses insurance and get a job that provides insurance with no lapse in coverage is any medical condition you have considered pre-existing?
No, most states require that pre-existing conditions be waived when moving from a group policy to a group policy. Pre-existing condition clauses apply when the break in coverage is greater than 63 days.
Medical Insurance policies will typically deal with pre-existing conditions in one of three ways: . Exclude the pre-existing condition from coverage, but offer other benefits as usual. . Place a 24 month moratorium (or waiting period) on the coverage of the condition. If the policyholder receive…s no treatment during the moratorium, the condition may be reconsidered for coverage. . Cover the condition by increasing the plan premium. This may not be applicable for all pre-existing conditions. . Cover the condition under a Medical History Disregarded benefit (MHD), which is typically only available to group coverage where 20 or more members are enrolled. . There are no industry wide standards for dealing with pre-existing conditions, and each insurance company will provide coverage, or not, in their own way. (MORE)
Perhaps, if the parent is a bona fide dependent of yours. Do you claim the parent as such on your taxes?. Best to check with the insurance carrier and your particular plan's exclusions, etc.. No, Only the following family sizes are allowed. (A) One adult (B) One adult and any children (C) Two adul…ts,and (D) Two adults and any children. I am not aware of any states that allow parents, even disabled ones, on an employees certificate of coverage. (MORE)
Medical bills for yourself and anyone else in your car in case of an accident
You purchase insurance in order to transfer risk of liability from one party to another. In the case of buying medical insurance, you are purchasing the insurance in order to transfer the risk of you or a family member from getting ill and the financial cost involved with this risk. In exchange for …a specified amount of premium the insurance company agrees to accept a certain amount of the risk of the financial loss involved in getting ill and the cost of treatment and medication involved. (MORE)
Answer Yes, for a medical reason. This isn't common but the pannus would have to be unusually large to the point that it chafes and repeatedly gets infected.
Can you be denied health insurance due to preexisting medical conditions if your job status becomes permanent and qualify for health insurance?
Usually you won't be denied coverage outright, but expect your coverage to have limitations that will prevent you from making claims directly related to your preexisting condition. If your coverage includes life insurance, expect similar limitations. For example, if you have a heart problem, they p…robably will not cover any medical expenses from a surgery, but if you dropped a heavy box on your foot at work, they would cover expenses for a broken toe. Or with life insurance, they probably wouldn't pay out if you died of a heart attack (if you have existing heart condition) but if you were hit and killed by a vehicle at work (God forbid), you would have coverage. Ultimately the decision to cover you, or not, is the insurance provider's to make. (MORE)
If a person has two Medical insurances and the primary denies due to preexisting will the secondary pay?
It depends on a few things. If your primary insurance is say less than 2 years old, they can deny claims to determine whether the condition is pre-existing. If you have had the secondary policy longer/ or the pre-x period has already been satisfied, then they may pay the claim as secondary. As long …as the treatment is indicated as covered benefits in the policy. These cases are common when both spouses have covered each other on their jobs. And/or when a child is covered under both parents policies. There could be a coordination of coverage issue with the latter. (MORE)
Yes, it helps enormously when a major medical expense is incurred, what one wont allow the other picks up. It's just a decision you need to make whether the cost is worth it. Among the factors that have to be considered is that major medical policies nearly uniformily have "coordination of benefit…s provisions", which are intended to ensure that the insured does not get paid twice, and to clarify which of the policies is primary for a given expense. Instead of two major medical policies, what one can consider is getting a supplemental policy that pays a fixed dollar amount per day while one is hospitalized or disabled irrespective of actual expenses incurred. In that way, the additional funds can be used by the insured to pay co-payments, deductibles, and other non-covered expenses. These kinds of policies are usually far less costly than major medical policies, although they also have far lower policy limits. They are typically available through work, although may be marketed directly as well. (MORE)
The question is unclear as posed. A "crime policy" is one that is intended to cover an organization for a stated range of risks and losses. The term "primary policy" is generally used to descrive a basic, underlying layer of coverage of some type. Therefore, there can exist a "primary" layer of c…rime coverage, on top of which can be additional ("excess") coverage that raises the coverage limits and affords greater coverage. Therefore, they are really two different things. (MORE)
Landslide coverage is available through a policy called a DIC policy(Difference In Conditions). This policy can offer Landslide, flood and earthquake coverage. With come companies, you can purchase all three together or purchase each coverage separately. These policies are usually purchased through …independent agencies and are generally a little more expensive than a standard home insurance policy. Landslide is not covered under the basic home insurance policy or earthquake policy. If it is mud flow verses lanslide, it would be covered under flood. One agency that handles this type of coverage in WA, OR, ID and AZ is A.L. Insurance Group in Vancouver Washington, 360-694-7994. Ask for Randy. (MORE)
No. Added: If it is an automobile policy or a 'blanket' policy that you intend to insure it with, yes, it will have to be listed. If the policy you refer to covers ONLY your vehicle, and no other, then no.
Depending upon the kind of seizures (grand mal, petit mal, etc), its recency, and its frequency, seizures may be considered to be a preexisting condition. A preexisting condition is one that has manifested itself before the application for insurance. Among the medical questions that are asked on th…e application for insurance may be one pertaining to seizures. The question may be phrased in such a way that the insurer asks about seizures occurring within a stated period of time in the past. If there have been none within that period, the applicant may be able to honestly answer "No". Alternately, the question may be asked as to whether the applicant has "ever" had a seizure. If the applicant has had one or more, the honest answer is "Yes". Even if the applicant has had one or more seizures, and acknowledges it/them on the application, some insurers will issue a policy. In fact, the trend in health insurance is to preclude insurers from denying policies to applicants with preexisting conditions. One of the major problems that sometimes arises is when the applicant is not truthful about health history. Often, that misrepresentation is discovered when the insured submits a claim for benefits. Because insurers investigate the type of claim and the need for the medical service, it is sometimes discovered that the service was connected with a condition that predated the policy. If the insured's misrepresentation was such that had the insurer known about it, it would have either not issued the policy, or would have issued it only for a higher premium, it may have the right to cancel the policy "ab initio". This means that the policy would be canceled retroactively from its inception. (MORE)
It depends if it's part of your coverage. Review your policy to find out. If there is no dental coverage, ask your insurance provider or broker if you can add a dental plan to your policy or add a dental rider.
Dental makeovers involve whitening, veneers, and implants to improve the look of a person's teeth. Some insurance policies will cover some if these treatments if the patient can prove that it was done for medical reasons and was not strictly cosmetic. The best way to locate an insurance policy is to… contact a dentist that specializes in makeover and consult them about available policies. (MORE)
Yes, though it is hard. Also, preexisting conditions vary, as far as definition, from one company to another. While it is easier to get coverage through an employer, you are able to get it via a private company.
There are various companies that cover different types of needs.Ifyou are looking for Long Term Care coverage, ask your insurancecarrier. If they don't cover it, there are places out there thatdo.The internet,phonebook and your friends can be excellent ways offinding what you are looking for. Basic…ally, medical insurance do not cover or pay all long term care(LTC) services, medical insurance is focused on health care whilelong term care insurance is focused on custodial care. It mayprovide skilled care for a limited period of time only. (MORE)
It depends on the 'mistake' you made. If you have claimed to be 51 when you are 50 years of age then they would probably accept that. If you have claimed to be 18 when you are 16 that is a different matter entirely.
lose your right to claim Part 7 benefits , . lose your right to have your accident-related vehicle repairs paid for by ICBC, . lose your right to have ICBC defend you in a lawsuit for damages as a result of a collision, . lose your right to have ICBC indemnify you for any court judgment against …you or settlement paid out as a result of your negligence. This means that not only can you lose your insurance benefits, you may ultimately have to pay the costs of a court judgment or settlement for the injuries/damages caused in a collision. In the most serious cases this can result in millions of dollars of personal exposure! (MORE)
A commercial insurance policy covers any court and/or attorney costs, loss of income and other such expenses if a lawsuit is involved. It does not cover incidences where willful neglect is involved.
VPI pet insurance covers a number of conditions and treatments. Among these conditions and treatments are the following: 1) Surgery 2) Prescription Medication 3) Cancer
How much will health insurance cost us we have preexisting conditions due a stroke when we need medication are thirty six years old and do not smoke?
There answer to your question depends upon several factors. Acouple of obvious ones are the identity of the insurance company towhich you apply, and the nature of the coverage for which youapply. The latter refers, for example, to whether you seek a feefor service type of coverage or managed care. G…enerally, managedcare programs are less costly. Another factor, especially if youchoose a fee for coverage option, is the amount of the deductibleand co-payment that you select. (MORE)
The coverage of medical insurance varies, depending on the company and the plan chosen by the individual. Medical insurance may cover (entirely or partially) annual physical examinations, routine blood work, blood glucose tests, blood pressure and blood cholesterol monitoring, cancer screenings, ele…ctrocardiogram and X-rays, if needed, and recommended immunizations. (MORE)
Umbrella insurance is basically an extra liability insurance. It protects people from lawsuits. If someone's liability insurance doesn't cover all the expenses for their home, boat, or car, umbrella insurance helps cover more of it.
Normally health insurance policies cover only expenses incurred asinpatient. But Star Health Gain Plan also covers out-patientbenefit which include cost for Pre-existing condition, dentalexpenses, pre and post natal care. It covers outpatient benefitsup-to specified limits on the sum assured opted a…nd the age of themember covers. -------------------------------------------------------------------------------------------------------------------------------------- A U.S. health insurance policy will often cover treatment in othercountries that it covers in the U.S., but you must submit all theclaim related documentation in English. That means if thosedocuments are provided in some other language (e.g. Hindi), youwill have to hire a translation service (at your own expense, whichwill not be reimbursed) that is able to competently handle medicaldocuments. In this case however, you will have to pay the expenses yourself,then on return to the U.S. submit the claim with the Englishtranslations of the documents, then wait for the insurance toreimburse you.. (MORE)