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.
If your spouse is a cancer patient and on COBRA with your former employer until you get new group coverage with your new employer does the pre-existing condition rule apply to you? My former employer has United Healthcare Insurance, and my potential new employer has Blue Cross Blue Sheild Health Insurance.
AS LONG AS YOU WEREN'T DIAGNOSED BEFORE YOU HAD INSURANCE. IT WOULDN'T BE CONSIDERED A PRE-EXISTING CONDITION IF YOU WERE UNAWARE OF IT UNTIL AFTER YOU RECIEVED THE GROUP INSURANCE.
Any medical condition can be a pre-existing condition to an insurance company precluding coverage. However, it is possible to still get coverage and deny the pre-existing clause by providing a certificate of continuous coverage from another insurance company.
This depends on whether or not your new employer will be providing you with coverage. If the new employer will provide you with group coverage, then you will have an exclusion for 1 full year from the effective date of the new coverage. During this first year, you will have limited coverage for the pre-existing condition. After 1 year, the pre-existing condition will be covered at 100%.If your new employer is not providing you with a group plan than you will need to obtain individual coverage. Individual Disability coverage is fully underwritten and will likely exclude any pre-existing conditions. If the condition is severe enough, you may even be declined coverage.
Perhaps the most beneficial reason is that someone else is paying all or a portion of your health insurance costs for you. Even if your employer pays 50% of your health insurance cost that's 50% less that you don't have to pay directly out of your pocket with post-tax $. Employer coverage is definitely a lot more limited on the choices of benefits & plans as opposed to the myriad of choices available if you were purchasing it on your own. Another great benefit of employer coverage is that you don't have to go through 'medical underwriting' to qualify to enroll in the employer plan as you would have to for non-employer coverage in most states. In other words, you can't be denied enrollment into your employer health coverage based upon your existing health conditions or risk.
the first way to do this is to obtain COBRA coverage. When your divorce became final, your ex-spouse was able to drop your coverage. Federal law is that all insureds can continue coverage with COBRA. Your insurance company or ex-spouse's employer should have sent you paperwork explaining what your rights are. But be aware, with COBRA, you are paying the full premium for the continued coverage.
No, most states require that pre-existing conditions be waived when moving from a group policy to a group policy. Pre-existing condition clauses apply when the break in coverage is greater than 63 days.
Renters wanting such coverage should check with their existing car insurance as their existing insurer may be able to add it to their regular yearly policy for a small premium. This provides coverage from an insurance company that they know, instead of unregulated (from insurance standpoint) car-rental outfit, which offering you may understand less.
If such a scenario arises, the employer should be procecuted under the existing law of the land. A case has to be registered by the employees against the unscrupulous employer for cheating.
Agents order or issue policies, collect premiums, renew and change existing coverage, and help clients with questions or problems related to coverage.
There is no average rate for life insurance it is dependent of pre existing health conditions as well as the age of the person purchasing the coverage.
Most travel insurance coverage does not include coverage for cancellation for pre-existing conditions. However, some, such as TravelSafe, waive the pre-existing condition clause if you buy your travel insurance within 14 to 21 days of making your travel arrangements and paying your deposit. Check with your Travel Agent that sells your trip and arranges your travel insurance for specific details.
That would depend on if your spouse's coverage is group or individual coverage. If it is group coverage offered by your spouse's employer then NO. Cobra regulations specifically say that you are not eligible if you have other employer sponsored group coverage with one exception. That is if the other coverage includes any pre-exisitng conditions clause that would deny you coverage for that illness/injury. If you have no pre-existing conditions or the pre-ex caluse does not relate to you (ie. pregnancy is a pre-ex but you are not pregnant) then you are not eligible. If the spouse's coverage is individual coverage and not group you are still eligible for Cobra.
It means a person has a mental illness already prior to applying for insurance coverage. Pre-existing has to be "known". 4ligeguild
With the passage of the Affordable Care Act (Obamacare), pre-existing conditions are no longer a barrier to health insurance coverage.
Check with the Personnel Office of your previous employer.
There are many key benefits that are provided by Atlas Travel Insurance. They have guaranteed acceptance, coverage for pre-existing conditions, 100 percent coverage for injury outside of U.S., and many others.
As dualistic insurance coverage is not permitted by the DMV, you must first consult your existing insurer when buying SR22 insurance. SR22 insurance serves as proof to the state that your are taking financial responsibility for your vehicle.
Pre-existing heart conditions, such as heart disease, are a headache for insurance companies as well as individuals. For heart patients, insurance companies may deny coverage so as not to lose money. Even when coverage appears to be granted, hidden exclusions may appear in some individual insurance plans. These include not covering a congenital defect even though the insurance company may not deem it congenital, and including previous health insurance plan coverage toward a new plan's lifetime limit of coverage. Both hidden exclusions are illegal under group plan policies.
Medical Insurance policies will typically deal with pre-existing conditions in one of three ways: # Exclude the pre-existing condition from coverage, but offer other benefits as usual. # Place a 24 month moratorium (or waiting period) on the coverage of the condition. If the policyholder receives no treatment during the moratorium, the condition may be reconsidered for coverage. # Cover the condition by increasing the plan premium. This may not be applicable for all pre-existing conditions. # Cover the condition under a Medical History Disregarded benefit (MHD), which is typically only available to group coverage where 20 or more members are enrolled. There are no industry wide standards for dealing with pre-existing conditions, and each insurance company will provide coverage, or not, in their own way.
A pre-existing condition means a condition that has existed already. For example, you try to purchase life insurance and you have cancer. The insurance policy may deny coverage for medications or treatments as the cancer existed prior to the purchase of the policy.
Contact the company that provides the coverage on the towing vehicle to get quotes for the travel trailer. Because of your existing policy, it will be easier for you to obtain additional coverage with a possible discount for multiple products.
Typically yes. HIPAA allows you to be covered for pre-existing conditions if there is no break in insurance coverage. If your prior coverage didn't cover deliveries, the question may or may not be more complicated. Contact the Insurance Commissioner's office in your state.
The amount and type of insurance coverage should be determined by your age and existing or future medical condition. Insurers are rated by the company called Bests Rating Service.
Finding insurance for pregnant women is not always easy because pregnancy is considered a pre-existing condition. If you dont have coverage before you become pregnant, finding coverage can be expensive.here is an article that can help you find affordable health insurance while pregnant and get you the coverage you need.http://www.insuranceagents.com/pregnant-health.html