Can you take a second health insurance policy in order to get your husband covered because the first policy won't cover a spouse?
yes. but cheaper to find dif. ins. co. that will cover you both on same policy.
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If your spouse was not listed on your policy and had an accident in your vehicle that has full coverage does your policy cover repairs on it?
Your auto insurance automatically covers all family members that live in the household. However, by not listing your spouse as a driver you have not disclosed all the licensed drivers in the household, which is one of the questions on the application. Since the premiums you have paid did not reflect… all the correct information, the insurance company may back charge you premium for not having him/her on the policy. (MORE)
Answer . Yes, if she has not been previously excluded in writing. If she is going to be a regular operator of the vehicle then she needs to be listed as an operator on the policy.. Answer . An automobile insurance policy coveres named insured, family and anyone who with PERMISSION drives the …vehicle. (MORE)
Answer . \nYes, and your spouse will end up with an at-fault accident on their record. The collision deductible will apply to the damage on the car that your spouse was driving and there will not be a deductible for the damage to the parked car.. Answer . Maybe. Check with your agent, but s…ome policies specifically exempt damage caused by another vehicle on the same policy. It prevents people with two junkers from having driveway "accidents" where both vehicles are totaled but no one is hurt. Of course, they can still drive both cars into a brick wall. (MORE)
How can an employer cover spouse and kids on health Insurance and then a year later say that the children are not covered because the other spouse has insurance coverage on the children?
Answer . \nOnly one company can pay out on the health insurance so it is a waste of money being insured twice, and also it will save you the tax you are paying on the premiums.
How is the primary policy for health insurance determined when a child is covered under both divorced parents' policies?
\n. \n Answer \n. \nI would say use both insurance's because neither of them pay 100%. Use one insurance for primary and let the other insurance pick up what the other one doesn't pay. Kind of like a supplemental insurance.\n. \n Answer \n. \nAbsolutely use both. If you get to make the …determination then choose as primary the one with the greatest benefit. Don't be surprised however if each wants to claim that the other is primary. What it may come down to in that situation is the one that was in place first will likely be considered primary. (MORE)
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 . Is there an insurable interest, like child support, alimony, estate planning for the kids? Is the x-spouse willing to sign the application and take the physical?
Home insurance policies cover all kinds of mishaps and repairs. The discount is called the deductible. When you purchase a policy you select a deductible amount of damage or loss that you pay for first and they pay the difference afterwards. The $100 deductible cost more per month than a $500 or $10…00 deductible. Read your neighbor's policy. You might learn a bit about that subject. (MORE)
Your husband has health insurance you don't What happens when he passes away will you be able to be covered by a new policy if you keep continuous coverage even if you are diagnosed with a serious ill?
\n. \n Answer \n. \nIf you're currently covered under his policy, if Employer Group coverage you would be Eligible for COBRA, then HIPAA. \nIf Individual, ask the company to reissue in your name. I believe this is guaranteed under CA law.
If a wife loses her health insurance can she force her husband to add her to his policy which covers spouses at no extra charge until she has her own again?
I think if a wife loses her health insurance, she should not have to force her husband to add her to his policy, the husband should have added her from the beginning, cost or no cost.
In a health insurance policy a statement that an applicant won't be covered for a certain pre-existing condition is called what?
In most health insurance company documentation of policy terms, this is typically listed under a section called "General Exclusions", and would be usually listed as a coverage exclusion for pre-existing medical conditions. When informally talking about this coverage issue, it is also often referred… to as the "Pre-X Exclusion" or just "Pre-X". (MORE)
Should your wifes income be increaesed since she does not need health insurance coverage because she is covered by husbands insurance?
Sounds reasonable but is not a given or automatic wage adjustment. She can use this fact to negotiate her salry but the employer is not obligated to make any increase.
Answer . Assuming the teen is covered under the policy before she gets pregnant and the plan does not exclude pregnancy for all then yes.
I believe it is until 18 years of age, unless the child is a full-time student.
In a health insurance policy a statement that an applicant won't be covered for a certain pre-existing condition is called a?
It's called an exclusion rider. It is not just in major medical coverage. It can also be found in other kinds of health and life insurance. Sometimes the exclusion is for a limited and specific time period. Not all exclusions are permanent.
the injury to or death of each person as a result of any one accident
ALL Personal property owned or borroewd by insured is covered INHOME AND anywhere in the world while on vacation. BUT, If you at asecond home like a cabin you own in Tahoe the coverage will bedecreased to 10% of amount covered in Coverage C. Any relativeliving with you stuff is covered also. Roomate…s belongings are notcovered. Certain items like Jewerly and Guns have limits on theamounts that insurance will pay out. Hope this helps. Jessica N (MORE)
Most auto insurance covers anyone you allow to drive your car, except people living in your house.
He could be if he's a full time student, but check with the terms of your plan. Unfortunately, unless he's a full time student under a certain age, he probably isn't eligible. And remember that just because he's eligible doesn't mean you elected to cover him in your enrollment. Check with your plan …administrator. (MORE)
Medical bills for yourself and anyone else in your car in case of an accident
I highly doubt it. If the child is not on the policy, then sorry to say, they're not covered. You will need to go in and put them on the policy, if you want that is...
Well, according to my Civics teacher (since we are talking about the Health Care Bill Reform so much now) it is supposedly 26 years of age.
What a second health insurance covers..Does a second health insurance cover the co-payment from the first one?
Generally, if the first insurance carrier pays on a claim, there is still a co-payment left that will be paid by the secondary insurer. If a patient has Medicare as a primary insurance carrier, it will pay 80% of the allowed amount, leaving 20% to be paid by either the patient or secondary carrier. …Patients who must be on their toes are those who have an HMO or PPO as their secondary carrier. These patients MUST have a referral from their primary doctor in order to have the secondary carrier make a payment. Since referrals can not be backdated, it is up to the patient to make sure they get the referrals before seeing a doctor or having a procedure done. If you are planning surgery, remember that you will need a referral for the physician, anesthesiologist, and hospital. Forgetting any one of those might leave you with a large bill, even if it is only 20% of the medicare allowable. The same applies for patients without medicare, but are carriers of two different coverages (such as two working spouses who have coverage under both). Be aware of which doctors will accept both of your insurances, and be an advocate for yourself if a bill is not paid, or is paid incorrectly. Many doctors offices will not spend the time or energy to get the bill paid on your behalf...... they just send you the bill and let you deal with it. (MORE)
Companies that provide health insurance to their employees often extend that coverage to the dependents of employees as well. So, one way to be covered under an employer-sponsored plan is to be a dependent (child, spouse or domestic partner) of an employee. Through a federal law known as COBRA, …former employees may also continue their coverage under an employer-sponsored health insurance plan in certain circumstances. If you are laid off or leave your job (or if you are a dependent of a person who is laid off or leaves his or her job) and you qualify for COBRA, you can opt to continue your coverage under the employer plan for up to 18 months, at your own expense. That means you will have to pay the full monthly premium that had previously been split between the employee and the company. Employees (and dependents of employees) who lost their jobs due to a lay-off that occurred between September 1, 2008 and March 31, 2010, may qualify for a federal subsidy designed to make COBRA coverage more affordable. The government subsidy covers 65% of your monthly COBRA premium for up to 15 months. There has been some discussion in Congress about extending the eligibility period for the COBRA subsidy but as of this date no extension has been signed into law. (MORE)
Which type of health insurance policy may not cover all of your health insurance needs or may deny benefits if you lose your job?
Most people get health insurance through their job. Most insurance companies prefer to get one check to insure 100 people than to get 100 different checks. Since you have health insurance through your job when you lose your job, your old company no longer takes care of the paperwork. Most health ins…urance plans have a deductible. That means you must pay something. (MORE)
It depends on the state, policy, and company. Some will if you were an authorized driver of the vehicle and you had an accident.
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)
Since the mid 1990's, All homeowners policies exclude coverage for mold, mildew and fungus. This is generally considered a maintenance issue or lack thereof unless the mold is resultant of a loss caused by a covered peril. Some companies do offer a mold coverage endorsement for an additional premiu…m payment that can be added to the Homeowners insurance policy. (MORE)
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)
"Celtic health insurance covers different things depending on where you live, so it depends on the state. The states that have Celtic health insurance are Colorado, Arizona,California,Connecticut,Florida, Georgia,Ohio,Illinois,Maryland,Missouri,New Jersey, Pennsylvania,Texas, and Virginia."
It may and it may not. It depends on the definitions of an "insured" driver under the terms of your insurance policy and the type of insurance policy you bought. Most standard policies will extend coverage to certain drivers you have given permissive use while others such as low cost "Named Drive…r" policies extend coverage to no one other than those named on the policy. Contact your insurance agent if you need assistance with your policy language. (MORE)
Not Necessarily no. If your spouse is not listed on the policy thenit may be a matter of state law. Your Should contact your insurer and make sure your spouse islisted as a named insured on your policy if you want coverageextended to your Spouse. This will insure your spouse is coveredand avoid amb…iguity in the event of a covered loss. It also allowsyour spouse to discuss details of the policy coverage, requestcopies, make payment arrangements and resolve other billing issuesif needed. Technically your insurance policy is specific to the namedinsured(s) listed on the policy. By Law your Insurer may notdiscuss your policy with nor extend coverage with persons who youdid not name as an insured on your policy. If you are married and your insurer does not know this, then theywould not assume that you are married nor would they assume thatyou intended your spouse to be covered. You may very well have excluded your spouse from coverageintentionally due to divorce, separation or other estrangement. (MORE)
An insurance policy that covers custodial or personal care is a long term care insurance, generally, long term care insurance covers things that are not covered by health insurance. If you are unable to perform activities of daily living, or need assistance due to disability and chronic illness, lon…g term care insurance covers these services. However, you need to buy it before your develop a condition that would require you to be on long term care (MORE)
the spouse should take the advantage of her husband. And she should not be strained and she should take rest.
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.
More than likely they will not pay the claim as you violated the terms of the policy by not making them aware of all drivers and household residents. This is called material misrepresentation of the contract. If you don't pay the premium for your son to be on the policy why should the insurance comp…any be liable for an accident with him driving. (MORE)
Part B is typically a Medicare coverage which covers non-hospital (outpatient) visits. Check with the company for more specific details.
How do you remove spouse from auto insurance Husband is disabled living permanently in a long term care facility does not drive or even own a car Insurance won't remove him from the policy?
The first thing you need to determine is if having your husband named on the policy is causing your premium to be higher than if his name wasn't on there? If the answer is NO, there is no valid reason to pursue having him removed. Drop the issue. If including his name is causing higher premiums, …that is why the insurance company won't remove him. They'll lose money if the do so and, as much as it sucks, they can legally do so because he is your spouse, regardless of anything else. They love to do this in situations where husbands get a few DUIs and end up losing their license for 5-10 years or even for life. He still has access to your keys and might possibly drive it without a license and cause a very expensive accident that they would have to pay for! If your hubby has a clean driving record for the last 3-years or no license for that time period, it's unlikely that having him on the policy is working against you. If you removed him, they could choose to change your marital status from Married to Single or Divorced, which would increase your premium by 10-30% instantly! If you were paying $1500/year as married and were reclassified to single, it could cost you up to $600/year or even more and they DO NOT 'undo' it once they do it! If you are determined to have his name off of your auto policy, your only realistic option is to switch insurance companies! You have the right to cancel your existing policy at any time, regardless of when it expires or renews. But if you go this route, be certain that you don't have even one day without coverage. A 1-day coverage lapse (or any lapse longer than that) can cost you THOUSANDS over the five year period following the lapse. (MORE)
The best way to determine what Blue Cross Anthem does not cover is to contact your local health insurance agent. Much of the insurance industry is in flux right now due to the Affordable Health Care act.
Trade Credit Insurance is a type of insurance which is offered to businesses. The insurance policy covers accounts receivable, guards against bankruptcy, and protects the business against credit risks.
The insurance policies that normally cover traffic accident compensation are vehicle insurance policies. To find out more, it is recommended to contact a local insurance agent.
Accidental life insurance typically pays out a predetermined sum of money in the event of a persons death. However, this predetermined sum of money will not be paid out if the persons death was not determined to be an accident, such as if they committed suicide or died of old age complications.
A course of construction policy is insurance purchased by a builder to cover materials, fixtures, equipment, and the building itself. As the name implies, it is only good during the course of construction, or as long as the work is going on.
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.
The typical house insurance policy covers damage to your property and personal liability coverage. Damage to your property includes fire, lightning, tornado, and hurricanes.
There are plenty of top rated insurance policies covering landlord contents. These insurance policies include Allstate, Compare The Market, and many more.
Talk with your auto insurance agent if you don't know how to readyour insurance policy.
In third party car insurance policy following risks are covered: Liability when death or injury is unlimited Death or Injury caused to a third party Damage caused to third party property
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)
Some policies cover up to 25 miles into Mexico, but nothing more.You need to check your policy. Usually you have to buy specialinsurance to be covered in Mexico.