Can you drop spouse's insurance coverage for a better deal between open enrollment periods?
At Open Enrollment (yours or his) you can make a switch to one or the other. Between those times, most plans will not allow you to make a change of coverage unless you have a life event (ie job loss, marriage, death). So if you want to drop your spouse's insurance during your open enrollment, you probably can do so. Check with your company's human resource/benefits department.
Can an employee drop their health insurance coverage when it isn't their open enrollment to join their spouses coverage at their spouses open enrollment?
You can but it is unwise because you need to know when you would be covered by the spouse's health plan. Some plans have 3 and 6 monthj waiting periods. So it is wise to keep your insurance, sign up on the spouse's insurance then later on after you have your new coverage in effect you could drop your employer's plan. Some employers however "require" their employees to be covered or are paying for the… Read More
Individual plans can be purchased anytime. Most group plans have open enrollment periods, or are available for enrollment after your probationary period (90 days). Medicare has specific enrollement periods each year. Read More
Your medical insurance would pay for the birth of a child. This is assuming that you have maternity coverage on your policy. Most group insurance policies that supply coverage to their employees do provide this coverage as any other illness. Individual insurance policies usually do not have this coverage due to the cost. There are also clauses that make you have maternity coverage on your policy for various periods of time depending on the policy. Read More
If mail order prescriptions are part of you insurance coverage for drugs used over long periods of time, the only way to get out of it is to get different insurance coverage or pay your own way. Read More
Each state and healthplan has their own specific rules related to special election periods. You should check with the Department of Insurance for your State. In general, if you were covered under your employers plan and were laid off, you should have the right to continue paying for your plan with your current employer for a period of time unless they went out of business entirely. You should also be eligible to be added to… Read More
It is a form of accident and health insurance, but it is supplemental in nature. That is, it does not provide primary benefits that are tied, for example, to the amount of a medical expense. Instead, it pays a fixed daily amount if a covered occurrence renders one unable to work, hospitalized, or some other risk specified in the policy. Aflac is available to individuals to purchase on their own, but it is often offered… Read More
The basic difference between long term life insurance and whole life insurance is that a term policy is life coverage only and this is also considered an advantage. One can buy a long term life insurance for periods of one year to 30 years, whereas whole life insurance is a combination of a term policy with an investment component. Read More
Term insurance provides coverage for only a certain number of years. You can buy term for periods of one year to 30 years. You generally pays terms monthly or annually basis. Read More
You can, but that doesn't mean double the coverage... A better question is Which plans can you combine to get the best care & be sure there are no waiting periods too! Read More
In the United States, people purchase health insurance through their employer. Rather than collect 100 checks from 100 individuals, the health insurance companies collect one check from the employer. That makes book keeping a whole lot simpler. Sometimes husbands and wives have health insurance from different companies. One can lose his or her job. The one without a job purchases insurance from COBRA. Once a year the insurance company will have an open enrollment period… Read More
ObamaCare (the PPACA law) officially kicked in 1 Jan 2014. Many provisions had already begun to be phased in (starting in 2012), but it is now possible to purchase insurance via a state or federal exchange, and possibly receive subsidies for that insurance. Likewise, most employers are now required to offer coverage and otherwise adhere to all the provisions of the PPACA. There are specific "open enrollment" periods when an individual can purchase or change… Read More
The employee contribution for medical insurance IS deductible. * Yes, but the employer must have an IRS Section 125 plan, also known as a "cafeteria" plan. Adopting the plan imposes fairness rules, and other administration provisions such as enrollment periods. Read More
Medicare is a public health insurance program; it does not pay beneficiaries. [per Medicare.gov] "Your Initial Enrollment Period starts 3 months before you turn age 65 and lasts for 7 months. Except in certain cases, if you do not enroll in Medicare Part B during your Initial Enrollment Period, you will have wait until the next General Enrollment Period to enroll. General Enrollment Periods are between January 1 and March 31 each year. When March… Read More
There are many dental insurance companies out there. What matters however is how their coverage is tailored to suit your needs. AARP offers the best dental insurance coverage.The AARP dental insurance plan offers many benefits some of which are: 1 Two plan choices, with individual and family enrollment options. 2 No waiting periods on preventive services including three cleanings and exams in a Year 3 Fewer expenses when you visit a Delta Dental dentist because… Read More
You need to be very careful about this as different companies have different time periods of automatic coverage for new autos purchased. Many companies have no coverage at all for new purchases. Even if you company does offer automatic coverage it is only the coverage on your present vehicle. If you only have one car on your insurance with liability only and you trade it in on a new car that you finance, you will… Read More
There are a couple of reasons for this. One, insurance companies look at maintaining auto insurance without a lapse as being "financially responsible." If a vehicle is titled to your name then you must carry the minimum liability coverage your state calls for at the least. Claims statistics show a higher rate of claims filed for people with gaps in coverage and/or a bad credit rating...hence credit now being a part of insurance premium scoring… Read More
It depends upon how long you wish to have the coverage for. People with short term protectiopn needs, (1-20 years) might best be served buying term insurance coverage. People who wish to be covered for life should consider either whole life or universal life coverage. The most popular type of life insurance policy is term life insurance as it suits most people's needs. Term insurance provides the maximum death protection against the most affordable premiums… Read More
Yes, you can drop it. You are not required to maintain health coverage or maintain any specific health coverage. Contact your HR department for the terms of your contract to determine how you go about dropping coverage. Most employers only allow such a change during open enrollment periods. Note, C1peterka's response has been moved to the discussion section, as it contains advice and opinion regarding the subject rather than an answer to the question. Read More
Life term insurance is temporary life insurance that lasts for a specific period of time. Term life insurance may last from 1-30 years. Common terms for term life are 10, 15, 20, or 30 year periods of coverage. If you outlive the term of your policy, the life insurance coverage expires. Renewable term life insurance allows you to renew your policy at expiration without having to take a physical exam to qualify for another policy… Read More
Certainly depends on the specific coverage your speaking of (and some private coverages may cover short periods of unemployment after certain qualifying periods of working in a field), but one basic premise of disability insurance is the disability is keeping you from doing a job that you would be earning an income from. Read More
If you go out of town for a few months does your car need insurance to just sit there without being driven?
It may not need insurance while your gone for short periods of time, But it is often cheaper to maintain the policy you already have than it is to purchase a new policy a few months later as you will have lost your continuous coverage discount. Read More
Waiting Periods are Not Uniform This depends on your policy. Assuming your plan is an insurance plan (Dental HMO, Dental PPO or Dental Indemnity), some group dental policies will not have waiting periods; but others may. Most individual policies do have waiting periods for major dental work. The application of a waiting period may also be related to when you are adding a spouse--in open enrollment or because of a recent marriage that allows your… Read More
that is the period dummy! they dont bleed between periods. Read More
Yes, an employer can require different waiting periods. Different levels of jobs may have different benefits which would require various waiting periods. Read More
Simple insurance offers insurance which is available to people with most budget types and offers level terms for large periods of time such as 30 years. Read More
== == I have read that many individuals each day who lack affordable dental benefits. Even if they have the good fortune to have dental insurance provided by their employer, often these plans have serious limits on coverage, have waiting periods for pre-existing conditions, and frequently do not provide orthodontic treatment for children or adults. With the high cost of dentistry, a $1,500 per year limit on dental services will not take a family very… Read More
no, as long as the vehical is stored in your garage the homeowners policy were cover it. otherwise no insurance is not required. although u must make sure you do not drive it. if you are caught driving it you will be ticketed and insurance may be hard to egt once hat violation is on your record. I don't know what state you are in, but in Kansas all motor vehicles you own are required… Read More
Where can someone find information about what is the difference between whole life and term life insurance?
The basic difference between term and whole life insurance is this: A term policy is life coverage only. On the death of the insured it pays the face amount of the policy to the named beneficiary. You can buy term for periods of one year to 30 years. Whole life insurance, on the other hand, combines a term policy with an investment component. The investment could be in bonds and money-market instruments or stocks. The… Read More
No. AM and PM are written without periods Read More
Vacant Home Coverage The "Vacancy Clause" typically 60 days, indicates the number of days vacancy of your home that would automatically void coverage under your Homeowners Insurance Policy if you do not take certain actions or add required coverages. Extended periods of vacancy can substantially increase the risk associated with your home. Most Home Insurance Companies require that you notify them of any vacancy that will exceed a certain number of days. To address the… Read More
All insurance companies must abide by the same rules and regulation as far as grace periods and cancellations as all other companies in the same state. In my state a company must give a 10 day notice on a cancellation for a regular monthly payment. Where you have to be careful is when you have a renewal period. If you have a renewal date then you will not have any grace period or extra coverage… Read More
Beethoven was the bridge between the two time periods. Read More
A hormonal imbalance is a possible reason for spotting between periods & so is irregular periods. See your doctor for a examination. Read More
Will all members of the Motion Picture Industry Union be able to buy health insurance if they do not have enough hours through ObamaCare?
According to the union plan's website, you need to earn a minimum of 600 hours in one (or 2 consecutive) six-month Qualifying Periods. This is effectively less than 30 hours per week which health reform considers "full time". So the union plan is already offering coverage to more people than health reform requires. Members who do not qualify for the union's plan will be able to buy coverage as individuals on the insurance exchange. Read More
Between what two time periods was farming discovered Read More
problem of comparison of national income between time periods Read More
Girls usually get their periods between the ages of 10 and 14. Read More
I'm not sure what the question is asking. Insurance is purchased or provided by time period, and not directly related to specific days or periods worked. So long as you are employed by a company, you (and possibly your company) pay the insurance premium to cover you during that period of time. Which days you worked is immaterial. So, one one hand, the answer is YES - they charge you an insurance premium to cover… Read More
Periods can last anywhere between 5 to 7 days. Read More
menopause Read More
The term is used to designate the transition phase between regular menstrual periods and no periods at all?
Peri-menopause is the term used before menstrual periods end. The transition between peri-menopause and pre menopause when estrogen begins stopping the menstrual periods. Read More
true Read More
Being on the pill can cause spotting between periods, called breakthrough bleeding. Read More
Brown discharge is actually old blood. Some woman, especially those with irregular cycles, will experience spotting between periods. Brownish-Pinkish discharge between periods could also be a sign of ovulation or implantation. Read More
Disability insurance covers any loses in income that one may experience while recovering from injuries and illnesses. Insurance will replace some portion of worker's income during these periods of time. Read More
One option you have is a discount program, which is not insurance. That way, there are no waiting periods and pre-existing conditions don't matter. It's still a Preferred Provider Organization (PPO), but instead of insurance, it's a a percentage off of certain procedures with dentists who are in the Network. With insurance, there is always a waiting period for Class II and Class III services, which are the serious ones. You'll have to wait for… Read More
If you have a mucous discharge with scanty blood in between your periods, you may have a yeast infection. You should talk to your physician. Read More
Which term describes the transition phase between having regular menstrual periods and no periods at all?
perimenopause Read More