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When you get married, and either spouse has children, those children can be added to the policy. If you have a family plan, step children can also be added to a medical insurance policy.

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โˆ™ 2014-09-17 19:36:15
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If you were laid off and apply for insurance coverage on your wife's group policy do you have to answer a medical questionnaire

How many grams of cholesterol should you eat each day to maintain a healthy diet

What would cause a fluttering inside the ear canal

Why is beef fat a solid at room temperature

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Q: Can you add step children to medical insurance policy?
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Related questions

Do step-children have a right to a step-parent's life insurance policies?

No. Step-children have no rights or interest regarding a step-parent's life insurance unless they are a named beneficiary on the policy. Step-children have no rights in a step-parents estate unless they are named in the step-parent's Will. In that case a step-parent can leave the proceeds of a life insurance policy to a step-child by their Last Will and Testament.

Is policy holder health insurance automatic guarantor of step child?

In medical insurance, the policy holder of the policy is not automatically the guarantor of a step child. To become the guarantor of the child a formal adoption should have taken place, or the child can be added to the policy.

Can a step parent exclude a biological parent from medical insurance access?

Can a step parent exclude a biological parent from medical insurance access?

If you loan your car to a step-child who does not live with you will the insurance company cover in case of an accident?

Anyone you give permission to is covered on your policy. Family members are certainly covered, even step children no living with you. Do not use this availability as primary insurance for them though. They should be listed on the residential parent's policy.

You are a beneficiary of a life insurance policy which is in an irrevocable trust your step mother left instructions that you are not to receive any money from it can she do that?

Your step mother can only change the beneficiary on the life insurance policy if she is the owner of the policy or if she is the trustee of the trust. If she's the trustee then she would need to have the authority to make changes on the insurance policy set forth in the trust document. Otherwise, she cannot make changes in the policy. You haven't provided enough information for a more detailed answer such as who owns the policy and where your step mother "left" those instructions or how she is involved at all.

Can you add a step child to your insurance?

Absolutely; a step child is legitimately a member of a family and can be insured, or can be the beneficary of a family insurance policy, just like a biological child.

Will medical insurance pay for removal and replacement of front tooth broke fallin on step?

You will have to check with with your medical insurance provider to find out. Typically no as this would be covered by separate dental insurance.

What are the three easy steps to a life direct insurance quote?

The first step is to answer a few questions via the online form. The second step is to submit these questions to get quotes from various insurance companies. The final step is to select an insurance policy that meets the criteria.

What clauses should be added to the fire insurance policy to cover totally all risks?

A fire insurance policy covers "Fire". That's why it's called a fire policy. If you want more coverage then you have to step up to a homeowners insurance policy so you can get all the other coverages you want or need.

If someone other than a resident of your home falls on a step is your homeowners insurance responsible?

They could sue you for negligence and loss would be covered under your liability section of your homeowners policy. Also, they could recover doctors bills or medical for the incident under your guest medical coverage.

Can a deceased dad's insurance policy be contested by an adult child when step mom has been named sole beneficiary?

A life insurance policy is a legal contract and is binding. Therefor unless there is fraud, there is nothing to contest.

Can a step parent be sued for a step child's medical bills?

In many states, yes! 20 states have direct laws regarding the duty of step parents to support their children. Additionally, most other states hold a Doctrine of Necessaries that makes step parents liable for basic living expenses such as food, shelter and medical bills of their spouses, children and step children. In states that use this doctrine, while one spouse is not automatically liable for general debts incurred by the other spouse, such as credit card debt for non-essentials, a spouse can be held liable for the spouse and children's medical expenses and even the portion of credit card debt that can be traced to things like groceries, clothes and doctors' fees. This situation is especially relevant when a custodial natural parent who has remarried loses his or her job and is unable to pay for basic bills. Even when a second, non-custodial parent may also be held liable for a portion of the children's bills, the step parent (living in the same household) can be held liable for the custodial parent's portion of those bills. In community property states, the liability is even more clear cut, allowing creditors to garnish a step parent's wages directly for severe outstanding debt when unable to collect from his or her spouse. Additionally, a step parent who is providing health insurance for child (ie carrying children on an employer's policy) can also be held responsible through contractual liability, as he or she is the legal guarantor for any charges incurred while using this insurance.

How do I find the best auto insurance for me?

Deciding on an auto insurance policy can seem overwhelming. It is important to choose a local agent who can help match you with just the right coverage for you and your vehicle. When getting an auto insurance quote from John Perry Insurance, our agent will help you every step of the way to choose an auto insurance policy that makes sense for you.

What if the wrong person is named as beneficiary on life insurance?

Whoever is named as a beneficiary on your life insurance policy will get the money. Contact whoever is in charge of your life insurance and get it changed as soon as possible. If you are married, it normally goes to your spouse, and in some states, you need your spouses permission to name somebody else as your beneficiary. Step 1 - contact your life insurance provider. Step 2 - contact a lawyer. Answer2: First, who says it's the wrong person? Who took out the policy and who decided on who the beneficiary should be? Who is paying the premium on the insurance policy. The insurance agency who wrote the policy should be the first point of contact.

How to Determine The Coverage Of Commercial Auto Insurance?

A lot of people get their insurance policies without taking the time to go through them carefully. This could lead to disaster (or at the very least, huge disappointments) in the future; if only all policy holders would be diligent in reading the coverage of their insurance policies, the world would be a happier place! As with other insurance policies, the coverage of a commercial auto insurance policy is clearly stated in the policy itself; you just have to take the time to read the fine print, and everything in between, to make sure that you fully understand the coverage. Step 1: This has been said a lot of times (unfortunately, only a small percentage actually does it) – read your insurance policy. As a policy holder, your responsibility does not end with signing the contract and paying the premium and monthly payments – you should also be familiar with all of the terms, conditions and inclusions in the policy. Step 2: Make sure that you fully understand the items stated in the declarations portion. This part contains the information about you as a policy holder, the type of automobile insured, your policy number, and the length of time covered by the insurance. Step 3: Take a moment to browse through the definitions portion of the policy. This is where all the terms used in the policy are defined; it would be to your advantage to get familiar with the different terms used in the policy, so you can understand the full meaning of the statements. Step 4: Check out the coverage portion of your policy. This part states all the issues concerning your coverage, such as whether you are covered for medical expenses, collision and liability. Step 5: If there are terms or statements you cannot fully understand, do not hesitate to ask your insurance agent for clarifications. You can also get in touch with a lawyer, so he or she can explain further what your auto insurance policy includes. Taking the time to understand everything about your auto insurance policy will ensure that you know what to expect in the future, should you need to file a claim; making the most out of the policy will also be easier if you truly understand your coverage. In the end, the one who will benefit the most from making the effort to learn more about the policy is you – and of course, your vehicle.

Can you deny a step mother from putting your daughter under her medical Insurance?

Why do you care as long as your daughter has coverage? Are you wanting to pay for her to have insurance? Tell the Judge. How dare she.

How to Save Money On Home Owners Insurance?

Home owners insurance is an insurance policy for various perils that could affect home. Some of the perils covered by home owners insurance is fire loss, theft, loss of personal property, accidents, and more depending on the type of insurance policy. The following steps will provide some information on saving money with your home owners insurance. Step 1: Shop around. You will find that home owners insurance will vary in price of to hundreds of dollars. It is best to look for the best price, with the best policy coverage you need. Step 2: Raise your deductible to the highest amount you can afford. Make sure you can afford the deductible in case something does happen. Step 3: Consider the cost of insurance when purchasing a new home. Step 4: Insure only your home, not the land. Don't include the value of the land when purchasing home owners insurance, just the value of the home and contents itself. Step 5: Purchase you home and auto insurance from the same insurance company. Usually an insurance company will offer lower rates and discounts when you insure your home and auto with the same insurance company. Step 6: Protect your home with deadbolts, security systems, and smoke detectors. These items can add more discounts to your insurance policy. Step 7: If you are a senior, ask for a senior discount. Step 8: Review your insurance policy yearly to make any adjustments to your insurance policy. Step 9: Make payments electronically. Many insurance companies offer discounts for paperless payments and invoices. Step 10: Keep your credit rating in good standing. Check your credit report at least once a year. These steps should give you some ideas in ways to save money with your home owners insurance. You may find more by asking friends. Another thing to consider is to stop smoking, or at least not smoke in the house. People who smoke are considered to be high risk for house fires, and the insurance company may charge you more due to the high risk. Ask your insurance agent on other ways you can save money on your home owners insurance, unless you ask, they might not tell.

What happens if medical expenses exceed auto insurance coverage after an auto accident?

1. Most states have a requirement that a registrant of an auto maintain "personal injury protection" (PIP) coverage (altho the name may be different). This is the essence of so-called no-fault auto insurance. Essentially, it pays a percentage of the insured's own medical bills and lost wages, up to a maximum amount, arising from an auto collision. It pays those expenses irrespective of fault for the collision. 2. Most insurers also offer a Medical Payments coverage. This is often an optional coverage. It pays an additional amount toward medical expenses , and often coordinates with the PIP coverage. Therefore, if the PIP coverage pays 80% of the medical bills, up to the policy limits, the medical payments coverage will pay the remaining 20% up to its policy limits. 3. If medical expenses exceed #1 and #2, one's major medical insurance is triggered. The auto insurance is "primary" in the sense that its benefits have to be exhausted before major medical insurance is called upon to pay. This is because auto insurance is required by state "financial responsibility laws" and for the further reason that it and the major medical insurance contain "coordination of benefits" provisions making the auto insurance primary. 4. If medical expenses still exceed the total available auto insurance and major medical insurance (including, if there is no major medical insurance), the injured party/insured is personally responsible for unpaid amounts. In this situation, the health care provider frequently is willing to work out payment arrangements. Alternatively, the unpaid amounts may be discharged in bankruptcy, but this is a very drastic step and should be avoided if at all possible.

What types of insurance can country mutual insurance offer me and do they give discounts for multiples?

Country Mutual Insurance offers auto, home and life insurances. They offer multiple discounts on thier car insurance such as engaged couple, multiple policy and good student. Their website is designed to walk you step by step in decided which types of other coverages would be best for you and your family.

10 Steps to Buying Auto Insurance in Michigan?

It makes no sense to take liability for what can be taken care of by someone else. It is a prudent idea to buy an insurance policy for your care. It might appear cumbersome, but wait! How much a motorist incur after a crash. It is expensive to purchase another car or to repair car damages. Therefore, it is valuable to spend time and resources to look for the best Insurance cover for an automobile.Getting an insurance auto policy in Michigan is a complicated process owing to strict Highway rules. In this state anybody driving a car on the roads must have an insurance liability cover at minimum. First, it is advisable to conduct an auto insurance survey. Know the right policy, insurance firm, the cost implications, and the claim process. Second step is to contact the already shortlisted insurance cooperation or their agents and establish the physical office location. It is essential to know the firm in depth. Step three, get quotations of the insurance fees and put up a data base that can be easily understood. The fourth step is to conduct a serious analysis of the quotations from the insurance companies. The fifth step involves a complete study of the selected insurance firm.The integrity of the insurance firm must be in scrutiny to make the right decision. The sixth step is to contact the select auto insurance firm for more information, and express the need to do business with them. This process is significant as it link up the two parties, and a cordial relationship need to be built. The seventh process is to make payment for the policy. It is necessary to make an agreement for refund of the fee paid, if the policy documents contradict the initial information as some of the insurance gives false information as a marketing tool. Eighth stride is to collect the original policy documents, read through before approving and signing the relevant insurance documents. In step nine, return the policy document and file a certified copy with an attorney. The final step is to collect the original policy certificate. All the ten steps as illustrated are necessary to avert future regrets.

Can your spouse cancel health insurance on you and his step children before the divorce is finalized?

I don't know about the legal ramifications but as a general rule, if an employee goes to his HR dept and asks to have his spouse and dependents removed from his health insurance policy they will do so without question. I don't think the employer has any obligation to require the employee prove they have the right to do so.

If you enroll a step child older than 18 in your medical plan. Who is legally obligated to pay her medical expenses not paid by the insurance?

If the step-child is in college, you are still responsible for paying their medical bills. If they aren't a full time student, you may need to check with your insurance plan because most insurances will not cover a child over 18 unless they are full time students.

Will AARP let me purchase insurance for a step-grandchild?

I believe it will. It will show that you are related. You should make sure that they know this is the case. They might not know you are related so they may not give you the correct insurance policy.

What is involved in medical coding billing?

Medical coding is the first step in medical billing. The doctors will put the practices performed on a sheet in code. A medical coder will translate that code so that the appropriate person, the patient or insurance company, may be billed.

How is it deemed which insurance coverage is primary and which is secondary?

The answer to that question depends on a few things. 1. Group insurance policies are always primary over personal or self bought You work for ABC company. You have insurance thru them (group policy) and you also pay for an individual or personal policy. Your policy thru ABC would be primary 2. Government insurance (except for medicare) is always Tricare, medicaid, and etc. 3. An active policy is always primary over a retiree policy. For example John retired from ABC company and has insurance thru them. He currently works for DCE company and has a policy thru them. The DCE policy would be primary and the ABC policy 2ndary 4. If you are retired and have medicare. Then medicare is primary but if you are actively working your group insurance would be primary. 5. When it comes to children the order is 1. Parent who's birth month comes 1st if both parents are born in the same month it goes by the day (the year doesn't play a role in this) 2. If parents are divorce it goes by 1. court order if not applicable goes by who has custody is primary this includes step parents. The step parent who has custody of a child, their insurance is primary. There are a few other rules when it comes to who is primary...when in doubt contact your insurance company