If you are coming to the US for your job and your wife is pregnant will her pregnancy be covered by the companys group insurance?
Yes. For documentation see www.SteveShorr.com/maternity.htm
and United States Code 26 U.S.C.A. section 9801(d);
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Answer It depends on your insurance and reason for having the procedure. Your nose job may be covered by your insurance if your procedure is enhancing the function of your nose (ex: relieving swelling, extreme sinus pressure, or breathing problems, etc). If your procedure is purely cosmetic, the ch…ances of your procedure being covered is very low. Consult your plastic surgeon and your insurance company to determine which financial plan you'll have to follow. Nearly all plastic or cosmetic surgery is considered elective, which means health insurance does not pay for it. This means you need to have a grasp of the full cost of nose job surgery. ( Full Answer )
If you get pregnant and are covered by your spouse's work insurance would you be covered on the new employer's group insurance if he switched jobs?
Yes, you should be since you were already covered prior to this. Although each state varies with this type of coverage. Even if he has a waiting period before he can enroll, he should get a letter from his prior insurance company showing that he had creditable coverage.
If you are pregnant but getting married will your husband's insurance cover the pregnancy after you get married?
Yes, if it's a Employer Group plan. Can a preexisting condition exclusion be applied to my coverage because I'm pregnant? No. Pregnancy can never be subject to a preexisting condition exclusion in group health plans. http://www.cms.hhs.gov/hipaa/online/Group/Family/Pregnancy_content.asp?record=48002…1 For more information see www.steveshorr.com/maternity.htm Yes, if he adds you to the policy. Even if you don't get married the policy should cover a well baby (but not a sick baby). ( Full Answer )
Under HIPPAA if a pregnant worker leaves job and within 63 days husband takes a new job with group coverage will it cover the pregnancy preexisting?
Answer . Only if she was covered by a qualified group plan and elected COBRA can she be added to husbands with no lapse in coverage, thus not pre-existing. You may want to check your state, but my understanding is you have 90 day to elect Cobra and 90 days to pay, but you will owe from day one t…hat you were no longer covered on your previous employers plan. ( Full Answer )
If you left your job and became pregnant before another getting a new job will you be covered on a new group health insurance?
Answer . No. You'd have more of a case for the prior insurer to cover it if that policy was in effect at the time of conception.. At the time of conception if there was no available coverage and coverage was obtained after the diagnosis it becomes a pre-existing condition and would not be cover…ed by either insurance. ( Full Answer )
Answer . \nThe fact that the child is illegitimate is irrelevant. If she is under 18, then the insurance will cover it. If she is over 18, it depends on the company.\n. \n-DJ Craig
Answer . \nCheck with the insurance company and your employment. If your employment had the insurance than more than likely the answer is no. You may get a coverage like COBRA when you leave or they may let you pay the premiums until the birth.
Is there an insurance company that a pest control company can use to cover termite damage on their contracts?
Answer . I have not heard of any such company, because the liability would be far too high. But it could very well exist, but I have been in the business for 10 years now and have never heard of such a thing. Normally it is the pest company that did the termite treatment that handles any repairs… that arise. YES, BB&T in Ga. created such a category several years ago. they broker the insurance to a company called FFVA Mutual. You can also find the nearest insurance provider at any of your local association's. ( Full Answer )
If your wife switches from the insurance at her job to the insurance at your job will her pregnancy still be covered?
Perhaps not . If any agent tells you that your wife's pre-existing pregnancy is covered, get it in writing. Twenty-three years ago, I wound up paying the whole bill for my first child's delivery when my wife's employer changed insurance companies. The new company said they were not required to …pay for pre-existing conditions. To this day, I think we got hosed, but that's water over the dam. Don't let it happen to you. ( Full Answer )
Answer . If it's an Individual Plan, I doubt that you will find any company to take you. Here's underwriting disclosure for CA http://www.insurance.ca.gov/0100-consumers/0070-health-issues/ind-health-insurance-underwriting-ab-356.cfm. If it's a group plan, yes you're covered. It's the law.
Son just got job at hospital signed up for group insurance 2 wks ago wife is pregnant will she be covered?
Answer . You will need to have him contact the benefits coordinator for the health insurance, some start immediately some have a time frame, I hope they do, and Congratulations on becoming a grandma !
My wife got into an accident in her car and insurance policy under both of us can the insurance company come after me for additional money if my insurance company does not cover all damage?
Answer . If the automobile policy contract is in both names (husband and wife) then the insurance company will look to both of you for compensation of any losses that are not covered under your own policy.
I have an indiviual policy with an insurance company I can purchase a group policy through my employer Its with the same insurance company Can I use both policies?
Answer . Two different policies (different policy ID numbers) should mean you should not have to pay anything out of pocket. The primary will pick up 80% (in most cases), and the secondary should pick up what the primary didn't pay. This usually includes deductibles, but that would depend on how …high a deductible you have on your policies.. Insurance companies are getting very 'stingy' of late and might try to not pay what they should; and tell you why, if you inquire, in their legalize language that even the Supreme Court of the USA has trouble understanding at times, even when it's not even a political type issue. ( Full Answer )
I am not legally divorced and just lost my job and health coverage - does my wife who has insurance from her employment have to cover me now?
You're eligible to be covered. It's probably a question for your Attorney, if she has to cover you. See the links. How about COBRA?
If you lost a job that had no medical insurance would a job that your 5 month pregnant wife is about to start be covered?
More and more insurances are beginning to cover pregnancy that is pre-existing.. The only way to find out for sure is ask the insurance or the company that she is going to work for should have someone that knows the insurance plans.. In a group insurance plan, pregnancy cannot be considered a pree…xisting condition. Here is a link to the federal law. http://mtnhealthinsurance.com/index.php?pageName=sec300gg ( Full Answer )
Life Insurance Companies do not cover suicide, subject to the "Suicide Clause" limitation in all life insurance policies. The suicide clause stats that no death payment will be made if an insured commits suicide within the first two years (one year in Colorado) that the policy is in force.. This cl…ause protects the insurance company against adverse selection - the purchase of a life isnurance policy in contemplation of a planned death in order for the beneficiary of the life insurance policy to collect the life insurance proceeds. ( Full Answer )
If you are covered under medical insurance with the exsiting job and switch jobs while pregnant will the new medical insurance cover you?
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.
I researched this a few weeks ago and found some people saying that BCBS was paying for vascectomy reversals. The best way to find out is to call the insurance company.
This may vary between companies. I write applications for BlueCross BlueShield of Florida, and neither the expectant mother nor expectant father is eligible for coverage until after the baby is born. Also, the baby itself needs to be six weeks old before it will be eligible for coverage. You can che…ck with the different companies, but be upfront with the agent to save yourself the time of completing the application process only to be declined. ( Full Answer )
Many insurance companies do not cover infertility unless mandated to do so. Many states have such mandates, but they apply to employers with 50 or more employees. Check out the laws in your state. You can purchase supplemental health insurance, which will cover your maternity leave and possible p…regnancy complications. Good luck! ( Full Answer )
\nHey what do you mean? Are you referring to child delivery cost? If they are covered by insurance or not? Well, if that is the case, the price will vary from location. In case you are in Canada and you have health care, you will pay nothing, and if you are fro Utah it is $16000. \nSource: http://ww…w.surgerycosts.net/price.php?medical=baby-delivery ( Full Answer )
There is an insurance company for vet services, but it is pretty expensive. I tried it once and dropped it. Not sure if they would cover a dog with a "preexisting condition." Call your vet they have the forms for the company.
Depends on the company. Most major companies would cover it. Smaller companies might not. Read your policy & see if it says anything or ask your employer.
Is key man insurance taxable to the person covered as is the case on group-term life insurance paid by an employer's company over 50K?
Key person life insurance is coverage on the life of a key employee and payable to the employer upon that employee's death. The purpose is to protect the company from the financial loss associated with the loss of the employee. Since the employee in no way benefits from a key person life insuranc…e policy, there are no tax consequences to the employee. ( Full Answer )
Many health insurance companies will provide maternity coverage on their policies. It is important that the policyholder specifically request a maternity benefit on a plan if they wish to receive this cover at some later date. Typically, a maternity benefit will be attached to a waiting period. T…his means that you may have to wait a pre-determined amount of time (usually between 12 and 24 months from the start of the plan) before you are allowed to receive any of the maternity benefits offered by a policy. You may not claim for any treatment related to maternity which you have received during the waiting period. Normal maternity insurance policies will typicall include benefits for the coverage of; . Pre-Natal Treatments . Normal delivery . Complications of delivery . Post-Natal Treatments. . A more comprehensive maternity insurance plan may also include coverage for benefits including; . IVF Treatments . New born child care . Congenital birth defect treatment. . It is important to note that many insurance companies will treat maternity as a pre-existing condition (hence the waiting period). It is not normally possible to obtain coverage from a maternity insurance plan if you purchase the policy whilst already pregnant. ( Full Answer )
If you are diagnosed with ms while employed and insured by one company but want to switch jobs will the insurance at the new job cover you?
Health Insurance Portability and Accountability Act . The Health Insurance Portability and Accountability Act (HIPAA) was enacted several years ago to address "Pre-Existing Conditions", which is what you are describing. HIPAA is very specific on how Health Insurance companies can treat you and AN…Y health problem you may have prior to signing on with another employer. It was enacted specifically to protect employees with serious medical problems like cancer, MS, and others from being left in the cold if they either lost a job due to downsizing, needing to change jobs because of the medical problem, etc. The key things to know are the exclusionary time limits involved, i.e., the time between employers. . If you or someone else is considering switching employers and have been diagnosed with MS, then you should learn as much as possible about the contents of the HIPA Act. HHS HIPAA - http://tinyurl.com/3chck HIPAA.org - http://www.hipaa.org/ HIPAA Wiki - http://tinyurl.com/3oucg7 . Consolidated Omnibus Budget Reconciliation Act (COBRA) . COBRA protects employees who have lost their job due to circumstances beyond their control keep medical benefits for a period after severance. It is also a good law to study just in case, as anyone with serious medical issues may find themselves without a job due to discrimination or just business factors. While there are legal remedies for discrimination based on health problems, they take time to go through, and without medical benefits it's extremely difficult to cope. I've already been there myself. COBRA Wiki - http://tinyurl.com/rg25s ( Full Answer )
Should you pay for COBRA- If you are pregnant in Arizona and do not get COBRA will the new insurance cover the pregnancy?
i would be concerned about having a cobra near a baby since they are poisnous.
Some insurance programs cover IVF. Several states mandate that fertility treatments be covered by employers with more than 50 employees. Check your state insurance department for more details. You can purchase supplemental health insurance in all 50 states, with employers with 3 or more employees…. You get coverage for maternity leave, pregnancy complications, premature birth. ( Full Answer )
Your husband is leaving his current job to take another job both husband and wife are covered under this employers health insurance can both parties be enrolled in the wifes insurance as prim coverage?
You should be able to. You typically can join your company's group plan during open enrollment, or after a qualifying event. Losing coverage from your husband's employer should be considered a qualifying event. Usually you have a limited time frame to make this change. If all else fails you may lo…ok into COBRA too. ( Full Answer )
Is this rightMy Landord is telling us that after extensive water damage was done froma leak in the bathroom sink that his insurance company will not come out to investigate and will not cover damages?
Landlords Extended Coverage? . Yes, he is telling you the truth. If there is no extended coverage for leaking pipes or faucets then they will not come out, there would be no reason to do so. . Someone needs to hire a plumber. Most leaky sinks are easy fixes. . There is no reason for an insurance …company to investigate a loss that it already knows is not a covered peril. . Many home insurance policies ( Especially Tenant occupied ) Dwelling policies do not cover damage or losses from old or leaky plumbing resulting from normal wear and tear. That's a maintenance issue not an Insurance issue. . Also the owners policy would generally not pay for property loss of another. That's what Renters Insurance is for. . Many landlords are now beginning to "require" that tenants purchase renters insurance in the lease terms in order to avoid just these types of tenant issues. ( Full Answer )
Many health insurance policies have a maternity waiver. Meaning that pregnancy is not covered. ( Kind of a self inflicted injury type thing ) However, most companies will cover complications of pregnancy.
Who is paying the insurance policy, you or the employer? If the insurance was part of your compensation package at work, I believe that you must be notified at least a certain number of days in advance of its being cancelled or withdrawn, so that you can obtain replacement insurance. Also, look int…o COBRA. ( Full Answer )
Answer As always it depends on the policy. Most of the time everything is covered by the policy that you're on on the day you deliver. Labs and ultrasounds generally fall on whichever policy was in effect on the date of service. Occasionally some policies won't cover prenatal visits prior to cove…rage. The old insurance usually has no problem paying in those situations. ( Full Answer )
Your wife backed into your sons car in the driveway The vehicles are insured by different companies your wifes insurance claims since your son resides in the same house they will not cover damages.?
The insurance company claims there is a Michigan law that prevents them from paying a claim on two insurance policies from the same residence
Well most medical insurances cover pregnancies and deliveries, but as to how much the company will provide always depends on their policies
Many of them now don't cover routine circumcision, but most will cover it to correct a problem. There enough debate about its benefits to let insurance companies classify circ'ing as not necessary. For adult men, if it's just to look better, it's cosmetic and very rarely covered. For infants, most c…ompanies would also say it's cosmetic. I I don't know how insurance companies look at circ'ing for religious reasons. (Jews and Muslims almost always circ infants) ( Full Answer )
In general, if the employer has more than 20 employees, it is subject to COBRA laws. Part of that involves, if employment terminates for one of several reasons, currently including voluntary quitting, COBRA insurance continuation benefits must be offered.
No, since there is no medical necessity of circumcision it is often not covered by insurance.
Yes, Homeowners insurance provides coverage for sudden accidental losses as defined under the policy schedule of covered perils.
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.
All of them. So long as your felony did not involve fraud, especially insurance fraud.
The moving company should have their own insurance if items were damaged during the moving process, if not I would get a lawyer!
I'm not sure what you mean by "covered". However, if the company you are leaving has at least 20 full time employees, you can pay to keep your coverage under COBRA until your new employer's coverage kicks in. However, COBRA rates are quite high as they are the rates your employer pays. Most states h…ave a state continuation right if your company has less than 20 employees. See the Department of Labor website (dol.gov) for more information on state continuation/COBRA and your rights to continue coverage after you leave your job. ( Full Answer )
The plan will cover all essential care during your pregnancy whcih incudes but is not limited to the costs of hospitalization and surgery related to the birth or the pregnancy. Any drugs medicaly necessary are also covered during this period.
Probably not. Driving drunk is a violation of both the law and your insurance provider's terms and conditions.
Geico, AMIG, 21st Century, The Hartford and Hagerty are some of the insurance companies that will insure classic cars. Classic car insurance is handled differently than regular car insurance, so one needs to make sure they fully understand the coverage and limitations before purchasing.
It actually depends on the homeowner's policy. It covers the fire wall and lightnings. Insurance doe not provide full coverage for homeowner's maintenance and updates.
The most popular company that has 50 life cover insurance is MetLife. Some other companies that have 50 life cover insurance are Aetna Group, Allstate, State Farm, Liberty Mutual and many more.
Normal medical care usually doesn't cover the cost for ambulance. It is important to check with any local or national private insurance company if they cover ambulance fees or not, as some people who opt for private insurance assume the ambulance is also covered, but later discover the opposite.
In the US, apparently, you are required to list all householdresidents and anyone who drives your vehicles. Why would you nothave your spouse listed on our policy as a driver unless she has abad driving record and you don't want to pay the additionalpremium. Guess what. Since you don't want to pay t…he additionalpremium you also do not have insurance. The insurance company willnot pay the claim because you have committed materialmisrepresentation. This is all plainly spelled out in your policyand application which are legally binding contracts in which youpromise to pay the premiums, notify the company of all householdresidents and drivers of your vehicles as well as a few otherresponsibilities. In exchange for your promises the company agreesto pay claims up to your limits and within the requirements of thepolicy. If you don't hold up your end they don't hold up their end.That's how contracts work. The company may make exceptions if sayyou just got married a week ago and haven't gotten around to addingher yet. But if you have been married you can be assured that theclaim will be denied. The requirements in other countries are different. In the UK, forinstance, there is no requirement to name anybody on your insuranceif they carry their own insurance. If that is the case they canthen, if their insurance allows, drive any insured vehicle notowned by them or hired to them under a hire purchase agreement. ( Full Answer )