How does homeowners insurance medical payment coverage work?
the actual MEDICAL PAYMENTS coverage works like this (in MO, and most states that i am aware of)..........someone is hurt on your property thru NO negligence of your own.....(ie i just trip and fall for no reason, I'm a clutz-have even seen it pay for poison ivy contracted on a property).....medpay will pay for medical bills (up to the limit which is low, usually 2k-5k)......only..........no pain and suffering, loss of wage etc........must be incurred bills..........it will not cover the insured or any residents of the house hold............there are many exclusions here.........now your liability coverage (which is much higher, usually a min. of 100k)........covers pain and suffering and medical bills, loss of wage etc..........for injured persons when you ARE negligent in some manner, ie... your wife wasn't watching what she was doing and dropped a hot pan on my foot........your dog bit me.........your step crumbled when i stepped on it.......hope that helps
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If you are carrying medical insurance is it necessary or wise to also get medical payments coverage as part of your auto insurance?
It is not required. Please keep in mind medical insurance on an auto policy only pays in the excess of what your work med doesnt pay. . It is a good idea to have the medical payments on your policy because it will also cover any passengers that are in your vehicle if they don't have health insuranc…e. It will also pay bills right away. You never know if you are going to lose your job or have something else happen. It is good to cover all your basis. (MORE)
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 employees 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 (MORE)
The Affordable Care Act, if it is upheld by the courts, makes certain changes in the ability for insurers to exclude applicants from coverage based upon certain preexisting conditions. Normally, there are preexisting condition exclusions in private health insurance policies. These exist so as to al…low insurers to maintain a balance between the cost (premiums) for insurance relative to the magnitude of the risk assumed. (MORE)
If you have medical insurance at work that pays 80 percent of medical bills can you get additional coverage for the other 20 percent?
Yes and no. There are supplemental insurance programs available - do an internet search for "supplemental insurance." Programs such as these will help pay that remaining percentage - in most cases, a large portion of it at least. Adding supplemental coverage can be a good option. I have an acciden…t supplemental that does exactly what you are asking. It will pay up to $5000 per person per year for any expenses related to an accident only that your primary carrier does not pay. This means it will pay for deductibles, co-pays (like your 20%), extra services (your plan only pays for 6 physical therapy visits and you need 10) etc. Because it only pays what your primary carrier does not it is very inexpensive ($30/month for the whole family). If you also want coverage in the event of illness you can also by supplemental products for that as well. (MORE)
If your motorcycle without theft coverage was stolen out of a neighbor's garage will their homeowners insurance cover it?
No, Your neighbor has a home insurance policy to cover his owned property. Homeowners insurance is specific to the named insured and the insured's scheduled property. Homeowners Insurance does not cover automobiles or motorcycles at all and does not cover property belonging to third parties excep…t in very narrow circumstances. Personal Property coverage excludes motorized vehicles except lawnmowers, golf carts, off-road ATVs, vehicles for the handicapped. If it is a vehicle intended to be licensed for road use, it is excluded under residential building policies. (MORE)
No Insurance company discriminates against dogs or a breed of dog. Your insurance company does not decide what breed of dog or other pet you own. However most insurance companies do have coverage restrictions regarding animals and various breeds. If you want to own a pit bull, that's fine, If you… want to own a 900 pound Bengal Tiger that's fine, Grizzly Bear, Alligator, great, but that does not mean your home insurance company has to offer you coverage for incidental injury and damages that arise out of your choice of pet. Answer Are you talking about Farmers Insurance Exchange, the company, or insurance policies that farmers buy? If you are talking about the company then call your agent but yes they probably do have some restrictions as most companies do. (MORE)
Answer . \nI believe you can, your premium my just be a little higher. that's what happened to me anyway. Hope this helps a bit.
Can a husband drop his wife from medical coverage even if she cannot get insurance through her work?
Answer . If your question is on the legality of dropping the wife from insurance, the answer depends on the State and on the status (legally separated, etc.)of the marriage.. Answer . Yes he can, but only during his annual change piriods. It is his payroll deductions and he is the one to sa…y who is or is not covered on "HIS" policys. Sorry (MORE)
Answer . \nMost of them require a coordination of benefits form to be filled out before paying claims. Typically only one policy pays. You would have to talk with the companies in question to find out their rules. In the case of children it can be a challenge, the rule that my company went wi…th is the insurance of the parent that was born first was the primary provider. (MORE)
Depends upon the policy. Some have provisions for domestic partners, same-sex partners, commonlaw marriages, etc. Contact your provider directly to inquire.
Cannot be answered here - that information should appear in the contract language of the policy. Generally, however, the insurance agent will take a deposit premium for the anticipated first month's premium at the time that the application for coverage is taken. The application is essentially an o…ffer to purchase insurance. The insurance company than analyzes the answers given on the application application in accordance with its underwriting guidelines. Those guidelines lay out the types of risks that the insurer is willing to accept and for what price (premium). If a policy is issued (because the insurer is willing to accept the risk as identified in the application), a policy will be issued. The front page of the policy is called the Declarations, and will show a summary of the coverage, as well as the due date and amount of subsequent premium payments. If the insurer decides not to issue a policy for a reason that is not prohibited by law, the deposit premium will be returned. (MORE)
Often, a person will have "primary" insurance and "secondary" insurance. For example, if you have insurance through your job, and your husband has insurance through his job, then your primary insurance will be the one through your job, and your secondary insurance will be the one through your husban…d's job. Also, your husband's insurance through his job will be his primary, and yours through your job will be his secondary. There can be some exceptions to this though. For example, if you were married, had a child, then divorced and remarried (retaining custody of the child), and both your ex and current husbands have insurance through work, then the one who's birthday is first is considered the "primary" insurance, and the other is the "secondary" insurance. But there will still be a deductible with each one that has to be met before either one will pay. (MORE)
What is the benefit of having uninsured motorist coverage and medical payments on your auto insurance policy?
The benefit of having uninsured/underinsured motorist coverage is that almost 20% of us drive around with no insurance. There's also a good percentage of high risk drivers with minimum coverage running around. That's quite a pool of drivers we're up against every day. You want to be able to cover yo…ur losses if you are involved in an accident with someone like that.. As far as having medical payments--this protects you and whoever you have in your car for medical coverage. If you don't have health coverage, it's a biggie. Medical coverage also protects you if you are walking and get hit by a car. (MORE)
No, it is not subrogable directly by one insurer against another.Many policies do, however, allow an insurer to collect or subrogateagainst their insured if he/she receives a settlement.
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 pro…cess.. 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. (MORE)
There should be a "Mortgagee Clause" listed in the policy conditions which will outline the relationship. Most of the time (it depends on the state), the mortgagee and the insurer are in a separate contract than the named insured (homeowner) and the insurer are. What that means is, if a loss occurs,… and for some reason the named insured is not paid for the claim (most often because the insured may found to be committing insurance fraud), then the mortgagee can still be indemnified for the loss. However, the clause may also contain language that holds the mortgagee to certain conditions. These conditions might include, that the mortgagee has paid the premium, and that they have notified the insurance company of any changes in the risk, such as a vacancy.. Mortgage holders can also file claims on their properties in foreclosure. This can be a very complicated process. Often times, the insurer will have to find out whether or not the mortgagee has suffered a financial loss because of the damages. Adjusters have to research what phase the foreclosure is in, if it has been sold, how much the property was sold for, what the remaining amount was on the note when the foreclosure took place, and what the amount of damages are. If they made money on the selling of the property from the foreclosure and sold it for more then what was remaining on the note, they may not be entitled to insurance dollars because there is no financial loss.. In addition, the mortgagee is required to be listed on payments that exceed a certain dollar amount (it depends on the regulations of that particular state's Department of Insurance). So when homeowners have a loss, they can often find their mortgagee listed on their payment. (MORE)
Medical bills for yourself and anyone else in your car in case of an accident
yes but recovery is limited to a specific dollar amount depending on where they are stored at the time of loss.
This question is very tough to answer well. I know in PA medical from auto insurance is the first source used to cover a medical expense. If you have a decent health insurance plan this can provide coverage over top of the medical from your auto.. However,as the deductibles on health care are incre…asing and many policies have lifetime limits, I would suggest getting a fairly high limit if you are able to afford it, in this category.. Anyone who needs assistance with insurance in PA is welcome to contact me, I work for an independent agency in York PA www.ekmcconkey.com (MORE)
No; homeowner's insurance is property coverage. Many forms of it do provide liability coverage (to defend and indemnify you if someone is hurt on the insured premises and you are determined to have been negligent), but in no case does it make payments of debts that you owe, such as a mortgage. You …would need to allocate a part of your worker's compensation payment toward the payment of the mortgage, or, if you have applicable short or long-term disability insurance, you could utilize that. Alternatively, there are specialized individual insurance policies that can be purchased andthat are designed specifically to pay your mortgage for a period of time while you are disabled. If you are already injured and being paid workers compensation benefits, however, there may be a question of whether you will be accepted for such coverage, at least with respect to the current injury/illness. Insurance is generally not available to cover an ongoing loss/injury/illness unless it was in place before the loss/injury/illness began, because insurance by its nature covers fortuitous, not known, losses. You may be best advised to contact the mortgage holder, explain the situation, and determine whether the missed payments can be added to the back end of the mortgage. While not ideal, it is far better than foreclosure. (MORE)
If Cigna had paid on charges which rightfully should have been paid by the auto insurance, yes. The subrogation would be performed by Cigna's overpayment recovery vendor, accent. This should not make a difference to the patient, as Cigna will cover once the auto insurance coverage is exhausted.
What is the main difference between automobile medical payments coverage and homeowners medical payments coverage?
Medical payments on your car generally covers expense to yourself and / or passengers in the event of an accident where you're at fault. Medical payments on a home policy will pay for people who are injured in your house - but it won't cover the homeowner or other residents of the house. http://www….coloradosbestinsurance.com (MORE)
Can you choose how much coverage you want for homeowners insurance or does the insurance company have the right to drastically increase your coverage without your approval?
It is unlawful to intentionally under insure your home. Your insurance company is required to review your homeowners policy regularly to insure that you are properly insured and that your homeowners policy is in compliance with the law as well as the terms of any associated mortgage note.
Can a homeowner get a third party liability insurance covering ONLYvisitors who might have an accident while on the premises (not thehouse itself and its furnishings and belongings) Thank you Elie
No, unless the damage was caused by another person being negligent by letting their pet loose to cause damage to another's property.
Can your homeowners insurance company raise your coverage amount to whatever they want without your consent?
Yes. This occurs when a review of your home shows it to be under insured. If your house is insured for 200,000 when it would actually cost 300,000 to replace then it is a problem as most insurance companies guarantee to cover up to the replacement cost.
No. Automobile-related occurrences are not covered under homeowners insurance. In fact, they are expressly excluded.
If a procedure is not considered "medically necessary" (i.e. is considered elective), most insurance companies will not pay for the procedure, or will provide only minimal coverage
yes coverage starts @ 12:01AM. Bear in mind though that an insurer may cancel a policy without prejudice for adverse claims activity that occur within the first 60 days of a policy term.
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. (MORE)
There are many sites that can help you decide which coverage works best for you in your price range. You can enter in your information and the price you are willing to pay, what kind of coverage you are looking for and you will be directed to a list of providers. HumanaOne is a good company that wor…ks with people to fit their needs and budget. You can also provide your financial information to the clinic or hospital you go to and they can work having you pay on a sliding scale based on your income. (MORE)
It depends on the plan you select and how much you pay for home insurance. It usally covers fire damange, water damage, natural disaster damage and theft.
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.
Go to your insurance agent and ask him or her to complete the computer based replacement cost estimator. You can sit down with them for about 20 minutes and they can give you a very good idea of the cost and whether or not you have an appropriate amount of coverage on your home. There are real serio…us penalties involved if you do not carry enough insurance coverage. (MORE)
Generally, no. There is usually an express exclusion in all types of insurance policies for criminal acts by the insured.
Earth movement is generally not covered under a homeowners insurance policy so that should answer your question. The only case it might be covered is if you purchase an endorsement to add coverage for earthquake. Remember that maintenance and faulty building is not covered under homeowners insurance…. (MORE)
Probably. I assume you mean a payment for a claim for damage. You need to contact your second mortgagee and confer with them about this issue. The reason for putting the mortgagee on the check is to be sure that the repairs are done in order to protect them by keeping the collateral in good repair.
It depends on who fell and why. Homeowners Insurance is Property Insurance Homeowners Insurance may sometimes provide a very small amount of coverage for minor household related injuries for the named insured. Visitor injuries would be subject to home owners liability terms. Major Medical i…nsurance provides comprehensive coverage up to the policy limits regardless of where a personal injury occurred. It's much better to handle it with your medical insurer. Answer. homeowners (MORE)
No a work trailer would not be covered by your homeowners insurance. Anything used in a business is not covered under your homeowners insurance. A trailer to be attached to a vehicle would be covered for liability extended from whatever it is attached to but physical damage for the trailer itself wo…uld have to be purchased on a separate policy or a commercial fleet policy. (MORE)
A trailer is not covered under a homeowners policy whether or not it is used for work. You need to purchase a seperate policy to cover this type of property for physical damage coverage. While it is being towed and attached to a vehicle the laibility coverage from the vehicle extends to the trailer …so if you back it into someone's car the towing vehicle's liability insurance will pay for the damage done to the other person's car. (MORE)
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.
If a person has a living trust that allows them to live in the home for as long as they live, they would still be eligible for a homeowners policy. The policy should be in the name of the person living there and the trust name should be listed as an additional insured. This way the home is covered w…hich is legally owned by the trust and the contents are protected as they are owned by the person living in the home. Both are protected by the liability coverage. (MORE)
In Canada, medical insurance should be accepted at both a hospital and a medical clinic provided the patient has their insurance card.In the USA, patients will typically pay a flat rate co-pay for a medical clinic visit (as compared to a percentage of the bill at an E.R.)
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.
Is corrugated tubing underground for water drainage considered part of construction material for Coverage A - Dwelling Coverage for homeowner insurance?
Your issue is probably not going to be whether or not it is part of coverage A but the whether or not the damage was caused by a covered cause. Underground pipes are usually damaged due to maintenance rather than a covered cause. For it to be a covered cause it must be sudden and accidental damage. …Roots causing damage or erosion is not a covered cause. Find out what caused the damage first. (MORE)
No. Collision coverage pays for the physical damage to your own car, subject to any deductible. Medicals are paid by a separate coverage-sometimes called Personal Injury Protection, but it may be called by a different name depending upon the State involved. It is what is generically called No Fau…lt coverage. It pays a percentage of your medicals and lost wages if you are infured in an auto collision irrespective of fault. As such, it is a form of "first party" coverage that you maintain on yourself. (MORE)
The best home owner insurance cover will depend upon one's circumstances. Some companies are good for second homes, others are not, for example. Lloyds can be one of the best, but visit Go Compare and you'll get a selection of quotes to choose from.
There are many companies which offer medical health insurance coverage. In Australia, these include Medibank Private, BUPA, NIB, AHM. One can also select the best option from comparison sites.
That would depend on which Insurance Company rates your askingabout. They are all different. Some companies and some geographic regions have had rate increaseswhile others have had rate decreases.
Will homeowners insurance cover medical expenses to someone living in the home who is not listed as a homeowner?
No. The injured party cannot be a household member. It does notmatter if they are not listed on the policy.