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. Yes he can, but only during his annual change piriods. It is his payroll deductions and he is the one to say who is or is not covered on "HIS" policys. Sorry
No You would need to seek coverage under your medical insurance policy for accidental injuries. Homeowners insurance is for property and liabilities that may arise out of home ownership. Home insurance does not replace medical insurance. If you think the property owner is liable through cause of injury, you might seek coverage under their liability if they carry the coverage.
More than likely, you will begin by using your personal medical insurance. Medical expenses and lost wages can possibly be reimbursed through the uninsured motorists coverage.Uninsured/Underinsured coverage laws vary by state. Contact your insurance agent for a full explanation of how this coverage would work on your policy.
Answer Sir, I can only quote you regarding Canadian Law that says if your wife is paying for your Medical Insurance through her job as a payroll deduction she can take you off anytime she wishes. Under Canadian Laws a wife or husband is not held responsible for the other one's health insurance needs. Hope this was helpful, but if not, perhaps you can contact the Health Insurance Board where you live. If you choose to buy insurance, then as a general rule, nobody can force you to keep buying the coverage. Yes, you can drop coverage. However, if you are paying for the coverage through IRS Section 125 with pre-tax funds through your employer, then you may (or may not, depending on the circumstances) be able to reverse your decision to reduce your pre-tax earnings.
Yes. There is Aetna Dental insurance available through Aetna. It is available for an additional charge over and above the charge for standard medical coverage.
Temporary medical insurance can be obtained through a travel agent, bank, or insurance company. Make sure to call around first to make sure that you get the best price with the most inclusive coverage.
Insurance coverage for massage therapy varies widely. There tends to be greater coverage in states that license massage therapy. In most cases, a physician's prescription for massage therapy is needed.
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 husband'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.
No, The medical coverage portion of your policy (usually $500) is for minor injuries that can occur around the home and is specific to the named insureds. Your home insurance policy is not a replacement for major medical insurance. If your guest feels you are responsible for their injuries through your negligence then they could sue you for coverage under the liability portion of your home insurance policy.
If you have an auto accident and you do not have auto insurance with medical payments coverage for your injuries and medical costs, you may need to research the coverages available through your medical insurance policy. If you are not at fault for the accident that caused you injury, and the third party insurance provider has taken responsibility for the accident, the at fault party's liability insurance should pay for medical injuries up to the limits on their policy. Because you do not have insurance, receiving a claim payout might require more work because you do not have an adjuster working for you. If you were at fault for the accident and you do not have auto insurance, you will need to speak with a representative from your medical insurance company to discuss the coverage provided under that policy. You may have a co-pay or a percentage you are responsible for depending on if you have an HMO or PPO.
The husbands own insurance would be primary, and his wife's would be secondary.
No, Most if not all plans exclude work related conditions.
The only medical insurance I've seen that didn't cover screening for STDs in the absence of symptoms is some college student health coverage purchased through the school. To check your coverage, call the insurance company. Alternately, you may find that you can get free testing through your local Department of Health.
Yes it does, through their comprehensive insurance coverage.
The benefits of having a term life insurance with no medical exam is not having to go through a medical exam before being signed on a policy. This could benefit an individual who has poor health but still requires coverage, as there would be no exam that could inconvenience them.
No, Your Homeowners Insurance does not provide coverage for hired workers. If they were working at your home they should have medical coverage through their employer or if self employed they should have a contractors insurance policy to cover any injuries they incur while practicing their profession. Always check the licensing and Insurance status of any contractor or tradesman your hire to perform work at you home.
Dubai Islamic insurance through Emirates Islamic will offer coverage against loss, damage & third party liability, for loss of personal effects, emergency accidental medical expenses, natural calamity damage and also third party property damage cover up to AED 1,000,000/.
If you sign up for insurance with your company, You have to indicate who is primary subscriber between yourself and wife. If both a wife and a husband sign up with the same company and both have stated they are primary, Your wasting your money. In the insurance world, secondary insurance was purchased because you want coverage for medical cost and pharmacy cost your primary insurance does not cover. Birthdays having nothing to do with who is first. Indicating on the insurance form as subscriber does.
A 50 year old man with dental and medical coverage through his employer
No They do notNo They do not
This varies considerably depending upon the individual contract negotiated by each veterinarian with their employer. In the United States in private practice, this can range from no insurance benefits through their employer to full medical/dental/vision/prescription coverage, disability insurance, life insurance and professional liability insurance.
General Liability insurance is purchased through any insurer that provides commercial insurance lines coverage.
If you are not employed you may be eligible to continue your previous employers' health insurance through COBRA. This also applies to children going off to college... you also may be able to continue on your parent's health insurance coverage through COBRA. This is a very good option for people who may have lost their job and are still undergoing medical treatments. If you were to switch to another insurance plan, your current medical treatments may not qualify under the new health insurance plan. But.. WARNING! This will not be an affordable health insurance option. The premiums will be much higher and you may be able to better afford one of the below options first.
If you're adequately covered through your husband's policy then there shouldn't be a need for you to get additional coverage through your company if it's full overlap. But you may want to compare the policies and see if your employer's policy is better, and maybe switch you both to yours and cancel the policy from his employer. Or, if your employer offers other coverages and his doesn't (e.g. vision coverage) consider doing primary medical through his and the supplemental coverage through yours. The one caveat to this would be if you think either of you could be out of work in the near future, in which case I'd take the safest course of action based upon your situations.
Yes Medical Mutual does offer a prescription insurance plan called Medco. It gives you the option to order online or through the mail. If you have doubts if you are covered you just need to check your Medical Mutual ID Card. It will have the Medco group number showing you have prescription drug coverage.