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How do you get medical insurance when you have depression and take medication and Blue Cross denied coverage and don't qualify for low income coverage?
You can get coverage through the Benefits Companies also known as Discount Plans. Research the companies and look for the highest discount, what all they give you as a member, and the amount of time the company has been doing business. The highest savings out there is 80% period.
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No, I'm checking on the CA State Law, but haven't found it yet. Here's the research I found so far. From Blue Cross Administrators Manual Medicare is the primary payor for em…ployees age 65 or older in employer groups with less than 20 employees When a group has fewer than 20 employees, Blue Cross is considered the secondary payor to Medicare and does not duplicate benefits that might be available under Medicare. This is from Blue Cross of CA FAQ's What is Coordination of Benefits (COB)? A43.Coordination of Benefits (COB) is a provision to coordinate 100% of covered charges between multiple group health insurance and to designate the order in which the multiple carriers are to pay benefits. Under a COB provision, one Plan is determined to be primary and its benefits are applied to the claim. Part or all of the unpaid balance is usually paid by the secondary Plan to the limit of its liability. The coordination provisions apply separately to each member, per calendar year, and are largely determined by California law. Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf
When a noncustodial parent is ordered to pay unreimbursed medical expenses and both parents have insurance coverage for the child how can you prove the custodial parent has coverage when she denies it?
Answer The attorney representing the non-custodial parent can serve the custodial parent with a interogatory summons requesting proof of insurance or the la…ck thereof. If the parent wishing such information does not have legal representation, he or she may wish to contact the clerk of the circuit court in the county where the action is to take place for information. Please be advised court clerks cannot give legal advice nor comment on individual cases, they can only impart general information concerning court procedures.
Who pays the medical bill if you are involved in an accident where the at fault party is uninsured and you don't have uninsured motorist coverage but you do have medical insurance?
This is a great question. My husband was hit by a car while on his motorcycle last June. He DID NOT have uninsured motorist on his bike and the woman had no insurance at… all, so unfortunately we could not go after her for any money. He was in the hospital for one month, 8 surgeries and is still unable to walk like he used to and may never be able to. He lives in constant pain and because we did not have uninsured motorist coverage on the bike, we are at a loss. However, I am attempting to use my auto insurance to try to recoup some money. My husband's health insur. paid the hospital bill of over $300.000.00, but now has a lien on my home for the remaining balance of $165,000.00. My attorney is in negotiations to get that waived. We did recoup $25,000.00 from the owner of the car she was driving's insurance, but Blue Cross is taking that, we do not get a penney. My attorney never advised me to use my medical coverage of my insurance, so I don't know if that could help or not. Maybe I'll try that route too!! Hope I've been of some help. Check your auto insurance policy to see if you have medical payments that will pay your medical expense up to $ amount. If you do, then your insurance company will pay up to the $ amount. Or, if you do not have auto medical insurance, have your regular medical insurance pay. Answer The person at fault needs to pay your bill. You need to take him to court and have his wages garnished for your bills. If that is not a possibility for you, then your medical insurance should cover it. Answer Also, check with your insurance agent regarding the extra medical coverage you may have purchased along with your auto insurance policy. Most have some.
Answer It is when you are covered with medical expences.
It depends on the terms of the insurance. Read the coverage document to determine if it specifically covers the procedure in question. If it is deemed medically necess…ary & your insurance co turns you down you have every right to appeal their decision! If its an exclusion of the policy then it doesn't matter if its medically necessary or not.
\n. \n Answer \n. \nYes on Individual plans. Employer Groups have guarantees If you're denied as an Individual there may be a State Risk Pool for you http://www.nah…u.org/legislative/HRPs/index.cfm
Depends upon the policy. Some have provisions for domestic partners, same-sex partners, commonlaw marriages, etc. Contact your provider directly to inquire.
Normally you will only have coverage in an emergency situation, and then it is on a reimbursement basis. You would pay for the emergency service and file for reimburseme…nt. Call your member services phone number on your BlueCross BlueShield card for details.
I write policies for BlueCross Blueshield of Florida and Multiple Sclerosis is one of the medical conditions that will render you ineligible for coverage. Check with specific …companies in your state to be sure. Be up front with the agent to save yourself the time of going through the application process. Also, do a search on "Guaranteed Issue" plans in your area. You should be able to get some form of coverage. If you already have the insurance policy and are diagnosed with MS after the underwriting process, check with your agent to help you read the fine print of the policy as far as any exclusions that may be built into the policy. As long as you're diagnosed with the condition after the underwriting process is complete, you should be covered. If you are diagnosed with the condition during the underwritng process, you can be denied coverage.
In certain situations, yes. Medical coverage is not a guarantee, and insurers can eliminate applicants due to pre-existing conditions.
In auto insurance, personal injury protection coverage is the same as medical coverage.
If you put medical insurance on the policy when the policy was purchased.
The right amount would be Zero, It doesn't make much sense to pay extra for medical coverage on ahome insurance policy when that's already covered under yourmedical insurance… policy. Ever heard of Double-coverge? It's illegal to get paid for the sameloss twice anyway. Adding Medical coverage on a home insurance policy is generallywhat we refer to as "Beefing up" a policy. Thereis almost a zero chance that it would ever be used due to doublecoverage limitations, but it can entice some less savvy people topurchase the policy.
Yes. A group policy is not much different from an individual policy when it comes to cancellations. If the group misses payments or no longer meets the underwriting guidelines… the policy can be cancelled or non renewed per local regulations and contract terms.
Either go to the HR department where you work or contact your insurance company directly. The company will need this in writing. Make sure there is no lapse in coverage.
No. The medical coverage and liability sections of a homeowners policy do not contain any deductibles. These sections do not cover the homeowner or any household residents.