Can a medical insurance company drop coverage for a group?
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.
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Yes, they do. Me and my boyfriend is on a account together and his license got suspended an they wrote me letter telling me that I had a couple of days to reinstate them and show proof of it.
Can an employer require you to show confirmation of medical coverage before you can drop your existing insurance?
Yes,The way this was explained to me by my companies H.R. Dept. was the fear the company has of being sued. Say you get a nasty divorce, separation or some thing along them lines and out of spite your husband or wife drops the family plan, then you or your child get injured and goes to the hospital …just to find out that you are no longer covered. Let's face it, if you can sue because you eat fast food and it made you fat or for spilling hot coffee in your lap this is not that far of a stretch. ( Full Answer )
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 ( Full Answer )
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. ( Full Answer )
Can an employer force an employee to drop group health insurance coverage because the employee is eligible for coverage through his spouse's plan?
No. The employer cannot force you not to take the coverage. However, if you don't want you may have to sign a waiver.
No, is there something else going on, like not paying your premiums? Are they cancelling EVERYONE in your state? Did your employer stop paying the premiums? For more info see www.SteveShorr.com Did they drop your coverage or were only 30 treatments approved and the doctor "forgot" to ask for …additional treatments? Additional treatments can be retro-approved so this shouldn't be a big problem. Update: (1/18/2010 - Nameless Cynic) Excuse me? Yes, they can and will drop you on any basis that they can dream up. The process is called "recission," and Blue Cross admitted in front of Congress just six months ago that, not only does this occur, but they have no plans of stopping it on their own. http://articles.latimes.com/2009/jun/17/business/fi-rescind17 ( Full Answer )
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 ( Full Answer )
If you were laid off and apply for insurance coverage on your wife's group policy do you have to answer a medical questionnaire?
\n. \n Answer \n. \nDid you have coverage before? If so, then you are probably guaranteed issue into your wife's group plan - as it would be a "special enrollment" \nIf there is a medical questionnaire - it's for determining premium, not if you will be covered
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. ( Full Answer )
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).....medpa…y 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 ( Full Answer )
Lost Insurance Coverage . Drop? . They can cancel your policy within 60 days of the effective date for numerous reasons. The most common reason is that the homeowner failed to disclose on the insurance application some risk condition or previous claims history. This is known as concealment and is …illegal. The company would rather cancel the policy than file criminal charges against the applicant. . They can cancel your policy during the policy term only for very specific reasons regulated by your state. . They can Non-Renew the policy for any reason or for no reason if they so wish. ( Full Answer )
If you have a suspended license and full coverage insurance and get involved in a single car accident due to medical reasons will the insurance company pay?
Answer . Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
Depends upon the policy. Some have provisions for domestic partners, same-sex partners, commonlaw marriages, etc. Contact your provider directly to inquire.
When a non custodial parent is ordered by the court to pay medicalcoverage, and the custodial parent applies for Medicaid that doesnot mean that the dependent child's medical coverage can beterminated by the non custodial parent. The ordered insurancebecomes the primary insurance, and Medicaid becom…es the secondary. ( Full Answer )
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. ( Full Answer )
Can you drop your health insurance coverage at anytime from your employer? Read more: http://wiki.answers.com/Q/Can_you_drop_your_health_insurance_coverage_at_anytime_from_your_employer#ixzz1d7yLrC9k .
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. ( Full Answer )
If you're a college student covered under your parent's medical insurance and you're getting married are you dropped from their coverage once married?
As soon as the insurance company gets wind that you are married they will drop you from their coverage. If you are caught using their insurance they will probably try to charge you with fraud or cancel your parents insurance.
Medical bills for yourself and anyone else in your car in case of an accident
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 ( Full Answer )
Answer I might need more details to answer this. Most policies will continue to pay hospital claims if you are inpatient prior to your policy cancelling. Other than that I would say yes unless your question is more about specific approvals. We can for example stop paying for chemotherapy if you e…xceed your approved # of visits and the doctor keeps "forgetting" to send us the documentation we need to approve more visits. ( Full Answer )
Answer No, the deductible is owed to the doctor or hospital. The insurance company doesn't care if you pay it or not. In most cases we'll have no idea whether or not you paid.
Answer Car Rental Ins: . EXTRA insurance that you have a choice of taking or opting out of when you sign the rental agreement (by checking and initialing the correct boxes) has been a confusing part of renting for years. It's a big money maker for the rental companies , but it's not always a ri…p-off . They will try and get you to get extra personal liability,...extra property liability coverage,...a something called CDW. . First, each company must carry liability for their cars that they rent out in every state. So if you're in an accident and it's the other guys fault, his/rental company pays damage. If it's your fault, the rental company pays the other guys damage, but not the damage you've done to the rental. . Second, basically same for personal libility, except if it is your fault, the rental co. personal liab. insurance pays injuries. . Third, always ckeck your own auto policy and credit card agreement (the card used to rent the car), because many times one or the other may offer insurance coverage on your rental. THEREFORE I usually tell people to skip the extra insurance offer by the rental company. They charge per day per type, usually over $10.00 each. By the week that VERY expensive. . Final IMPORTANT note: I've rented a lot of cars and have figued out that the CDW is worth having....WORTH EVERY PENNY. In the first scenierio, if it's your fault, and your credit card provides nothing, or you're using a VISA Debit card....you will owe that rental company ONE car, just like you left the lot with . This is where COLLISION DAMAGE WAVIER (CDW) comes in. (sometime called by a different name). You pay $11 - $ 16 a day extra, EVERYTHING is covered......scratch,.dent,.burn hole in the seat,. food/drink spilled on carpet,.kids write on interior with majic marker....you name it and you DON'T OWE THEM A DIME. AND if you crash it, they give you a brand new one to finish your trip! ( Full Answer )
It would depend on the insurance company. Most insurance companies will reinstate your coverage once you are caught up on your premium payments. You would then just have a lapse in coverage for the month you missed.
I have a 2003 Hyundai Elantra GLS Sedan with 81,000 miles on it. Because the value of it is fairly low ($2750 KBB avg. trade-in and $2,600 NADA avg. trade-in) I am considering dropping my full coverage. My premium is $304 every 6 months, with a $500 deductible. I got a quote for dropping full cove…rage. To maintain the legal requirements for liability insurance I would still have to pay $182 every 6 months. Progressive bases their totalled-out cars on Actual Cash Value, which I'm assuming to be similar to average trade-in for the books. What do you think? Is it worth it to drop it? ( Full Answer )
If your insurance company drops you before a claim is settled how do you get insurance coverage on your home?
They should not drop you before a claim is settled. If they have contact your state department of insurance and file a complaint.
There is no company that has the best coverage and there is no specific company with the best rates. I would shop around until you are comfortable. Try this site where you can compare quotes from different companies usinsurancequote.org
Group medical insurance rates are those which apply to policies that cover a group of persons, as distinct from individual policies. The groups that are insured generally have a common denominator, such as employment by the same employer, or membership in the same organization. Typically, since the… risk is spread over a larger number of people, the "law of large numbers" allows for lower rates and more relaxed underwriting standards than do individual health policies. It is not possible in this forum to quote specific insurance rates, as too many factors are involved that are peculiar to the group to be insured and the actuarial calculations by the insurer. ( Full Answer )
You don't have to agree but they will cancel the policy. Most homeowners policies include a replacement cost coverage to the structure so they want it to be insure properly.
I know from my 20+ years of medical billing, in my state of Georgia, we have the Georgia Insurance Commissioner. I'm certain all other states do as well. I have found all insurance companies are subject to rules and regulations of this office accept state aid insurance and medicare and insurance pro…vided for active military. I have called on my patients behalf and have referred patients to call also. This is an elected office and I have been fortunate to have worked with the same elected commissioner for 15 of 20 years. I have witnessed land slide cases against some of the larger insurance companies as a result of complaints from consumers and medical personnel. I have such a passion for what I do because so many consumers will accept payment denials of their claims because they believe they have no recourse. PLEASE don't be afraid to question any decision made by your medical insurance company. ( Full Answer )
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
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. ( Full Answer )
In our state, a medical group may charge a reasonable fee of up to 75 cents per page for medical records.
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. ( Full Answer )
It really depends on your individual needs for property insurance coverage, for example if you have a basic need for items held in a rented residance you can find great coverage from a number of insurance companies. If you own farmland and need greater coverage for equipment or more specific propert…y it may be best to meet with an insurance rep to go over coverage in more detail. ( Full Answer )
Nearly every auto insurance agency has RV coverage. The more popular choices include Nationwide, esurance, and Progressive.
Alliance insurance group is an actual insurance company. They provide many insrance services including auto, life, and mortgage insurance. They are known for their excellent customer service and commitment.
"There are many different travel insurance companies. Depending on the country you will be visiting, you can find travel insurance quotes and coverage. Travel agents may be able to provide you with a list of companies that offer travel insurance for your destination. They may also be able to provide… insurance to you directly during the booking process. There are several travel insurance companies so compare quotes and coverage prior to your purchase." ( Full Answer )
"The major insurance companies that provide coverage on Audis are; American Family Insurance, State Farm, and Progressive. Other insurance companies are available directly from the dealer at time of purchase from the lender."
Most insurance companies offer health care coverage. The top companies that offer health care coverage are UnitedHealth group and Wellpoint Inc. But there are a lot more too.
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.
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.)
You should only drop the physical damage part of your insurance if your vehicle is paid for in full and when you no longer would need help replacing or repairing the vehicle if a claim occurs. Also you could say that when the price of the physical damage coverage exceeds the benefit of replacing the… value of the vehicle. ( Full Answer )
The cheapest medical insurance is through the government for low-wage families, otherwise it is wise to shop around for specific needs. Many insurances provided through jobs have built in discounts, and some such as TriCare, provided to military personnel, is free to military members and their imme…diate family, provided near 100% coverage for most costs. ( Full Answer )
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.
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. ( Full Answer )
Complete Coverage Insurance is the type of company referred to as an independent insurance agency. They provide insurance coverage for automobile, home, health, business and life.
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.
Many companies offer dental insurance coverage. Some examples of companies that offer this type of coverage include Delta Dental, Security Life, and Anthem.
There are lots of reasons that dropping your health plan at anytime is unwise. But to answer your question: You can go for up tothree months without health insurance, and still not have to paythe penalty/ tax. You drop your health plan by stopping yourmonthly payments for it. If you are covered by a…n employer plan,you would notify your employer. The employer will have forms foryou to sign, and may ask you to verify that you have healthinsurance from another source. When you stop paying for your plan -- either at work or at home --your coverage will also stop. You pay for health insurance inadvance for the following month. So, if you don't pay the bill thatis due at the end of January, you won't have coverage in February. Keep in mind that you cannot pick up coverage whenever you want to.If you drop out, you cannot re-enter until the next openenrollment. Whatever medical bills you have while you are uninsuredare your responsibility. There is no such thing as back dating yourhealth insurance to cover your hospital bills that you had lastmonth. ( Full Answer )