It depends on how their plan document is worded and the specific reason given for denial of coverage for the wife. If their plan document states that dependents with access to other coverage cannot be enrolled and the wife has access to insurance through her employer, then they can.
If the provider exceeds timely filing limits with the insurance carrier the provider cannot bill the patient. The provider must have a participating contract with the insurance carrier also.
The Insured Person will receive an EOB (Explanation of Benefits) from the insurance company which explains the payment by the insurance company, the allowed charge based on contract rates with the provider, and the remaining amount if any that is due from the patient to the provider.
The allowed amount is the amount that the insurer will pay for particular service. In the context of health insurance, for example, it is the amount that the insurer will pay for each covered procedure. The allowed amount is usually the amount the insurance provider deems the services received to be worth. This amount can also be set by provider contracts with the insurer. These are contracts where, for instance, an insurance company agrees to pay 80% of the standard rate of the provider. In most managed care arrangements, the provider agrees to accept that amount in full payment and not to bill the insured for the balance.
Sure, So long as your chosen insurance company offers all the lines that your would like consolidated, they will be happy to do it for you.
Each state has regulations regarding auto insurance. Any agent or company that gives you a quote must consider the state requirements and offer coverage that meets or exceeds those requirements. "Discount coverage" would be the minimum coverage allowed in that state.
All people are allowed to get insurance to cover collision. It would be discrimination to deny someone insurance based on their sex. The best way to get coverage is to go to the nearest insurance agency.
Minnesota is a state that requires a minimum of liability insurance. The minimum amount of coverage allowed to drive in Minnesota is 30/60/10.
Nonparticipating provider
I doubt it.
Only if the physician is a non-participating provider who does not accept assignment. The physician can bill the patient the difference between the actual charge and the allowable charge. This is called "balance billing".
Yes, 100% coverage if you covered it with a rider. If not, than a small % as allowed by your policy subject to your deductible.
Combining insurance policies if this is allowed with your provider would be ideal. If not, then looking to keep the building up to code and repaired would generally benefit you and possibly help reduce the amount of insurance needed for the property.