Can your wife take you off of her medical insurance plan before you are separeted if I am retired with no medical insurance of my own?
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.
In an auto accident in California do you bill your auto insurance as the primary insurance or your health insurance?
If you have both medical insurance and auto insurance, the primary company billed will depend on the situation. If your injuries and medical costs were caused by an auto accident and you carry Medical Payments coverage, you will bill your auto insurance provider. If you do not carry Med Pay insurance coverage, as it is optional in the state of California, the circumstances will depend on who is deemed at fault for the accident. If…
If you are planning a vacation, you should purchase trip insurance so that you can recover some of your money if there is a problem during your trip, such as a canceled flight or a lost bag. Before you purchase trip insurance, contact your medical insurance company to see if you will be covered while traveling, so that you do not purchase extra medical insurance that is not necessary.
Can you purchase your own separate medical insurance if you don't like the one-and-only option offered by your husband's employer and can you each use either one or both simultaneously?
You can purchase your own medical insurance, its called and Individual policy and many insurance carriers sell them. With an individual medical policy, you have to qualify. (you don't have any significant medical problems or past medical history) Individual medical policys also have pre-existing clauses-- they can deny any/all medical services for a medical condition they determine began before your policy began. Pre-existing clauses are usually for the first 6 months. Most, not all insurance…
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If your wife had an accident and she was not on your insurance and was driving a rental car that had sui and cdw but no pai for medical injury who pays your auto-ins rental-ins or medical-ins?
Your medical insurance will probably pay; however, you will have to put in a claim to the other insurances first and get a written copy of denial before your medical insurance pays on a car accident. Make sure your doctors' billing offices have those instructions. I fought the charges from a surgery for 6 years before the hospital admitted they messed up the billing procedure.
This depends on the insurance provider. Some cover only 25% of specific medical treatments, others could cover as much as 100%. Generally speaking most insurance providers cover 80% of a regular (preventative care) doctor visit or require a co-pay. Check the policy information before you purchase insurance. Alternatively, if you already have insurance, contact your provider and ask what is covered.