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I don't know of any provision for your deductible or coinsurance to be taken over if YOU change jobs. They must though give you credit against a pre-exisitng condition clause If an employer though switches from one Insurance carrier to another, then most will give credit I have had an insurance company credit the paid deductible for the individual when they switched jobs. The specific circumstance was an individual who was with the same carrier at the old job and had a choice of carriers at the new job. It is likely that they only do this for people who were already with them that have an option to go with another carrier in order to keep them as a client.

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โˆ™ 2008-07-30 12:50:18
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Q: If you change jobs and health insurance does the amount paid out of pocket expenses for deductible or coinsurance on old policy transfer to your new one in the same year?
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If you have met the deductible with your insurance company for the year and you change insurance companies in the same year do you need to satisfy another deductible with the new insurance company?

Not necessarily. It depends on the "Plan Year". For example, if your plan has a calendar year of January 1 through December 31, and by September 15 you have met your deductible, the new insurance carrier would have to issue a Deductible Credit Transfer because you have already met the deductible for the plan year. However, if the new plan has a plan year that runs from September 1, through August 31, then by September 15, your plan has already started to run and the deductible after September 1 only is the amount you can apply. YES


Fee or payment with the type of account or insurance it's associated with?

balance transfer fee - credit card non-sufficient funds fee - checking account deductible - health insurance mortgage payment - home loan


When you wreck a car does the insurance company pay for tax and title also?

If your vehicle it considered a total loss, your Total Settlement Value will include Taxes, Transfer Fees, Deductible and your Loan/Lien. *This is with State Farm Insurance, I am not sure about other companies.


Why do I need health insurance?

Insurance of any sort, including health insurance, is a means of transferring the financial risk of an adverse occurrence, from the insured to an insurance company. By that definition, health insurance is necessary if one wishes to effect the transfer of financial liability for certain medical, hospital and arguably, prescription expenses from (an) individual/family to an insurer. All of that said, health insurance is not a necessary in the sense that food or water is. One can make a conscious choice to be uninsured and to be individually responsible for one's own medical expenses.


What does Direct Line Holiday insurance offer?

Direct Line Holiday Insurance offers reimbursement of lost or stolen goods, money for health expenses, emergency cash transfer, and Direct Line Holiday Insurance will even pay for a cancelled or unexpectedly cut short trip.


Why is insurance needed for a business?

to transfer risk from the owner to the insurance company


Can you transfer real estate title insurance to a buyer?

Not sure but i think can't transfer real estate title insurance to buyer


Can you transfer car insurance companies and cars?

You can apply for Car insurance with a new company, But you can't transfer your existing policy to another company


What do individuals use to transfer the risk of loss to a larger group?

insurance


Can you transfer insurance to rental car?

Some auto insurance policies transfer to rental cars, and some do not. You need to ask your insurance agent about the details of your insurance policy, and the specifics of coverage while you are driving a rental car.


What is Single Life Insurance?

It would be life insurance on a single life. Most likely you mean Single Premium Whole life which is a policy that you only pay one premium. It is highly appropriate and valuable over keeping money in the bank to pay for final expenses or transfer of wealth.


When you transfer car insurance from one car to another how long does it take to be on the road?

The transfer is instant.


Can you transfer your cash value in an insurance policy to your investments?

no


Does house title insurance transfer?

No. Each owner must purchase their own title insurance.


What if someone hits you and its not his car and there are no insurance on the vehicle?

His liability insurance on his car should transfer to the vehicle that he is driving.


Do you have to transfer ownership before buying auto insurance?

YES


Can you transfer car insurance to a quad?

Yes, go to: comparethemarket.com


What is a risk transfer mechanism?

a third party guarantee or an insurance


Can you change insurance policy as needed?

No, a insurance policy can not be changed.....rather it may be alter by assignment ( transfer of the ownership)...


What if you don't have insurance on a car but need to get a replacement title in WV?

You will have to buy auto insurance on the care before you can transfer the title.


What has the author Kevin D Millard written?

Kevin D. Millard has written: 'Federal gift, estate, and generation-skipping transfer taxation of life insurance' -- subject(s): Inheritance and transfer tax, Insurance, Life, Law and legislation, Life Insurance, Taxation


Do you need the extra insurance car rental companys offer?

It depends on the situation. You will need to speak with your insurance agent. Different companies have different policies on transfer of coverage to a rental vehicle. If you have had an accident and the vehicle that was damaged is being fixed causing you to rent a vehicle, most companies will transfer the physical damage coverage on the damaged vehicle to the replacement vehicle (rental car). If you are renting a vehicle just for pleasure or any reason not relating to a claim then most likely there will be no transfer of coverage. In this case you may want to purchase the physical damage deductible waiver. A rental car company provides liability and physical damage coverage on their vehicles. Usually all the offer is a waiver to eliminate the normal deductible if you damage the vehicle. You may want to discuss with them the most that you can owe if damage occurs and decide based on that and the cost of the waiver.


Can you purchase insurance for a car you don't own?

yes you can have insurance on a vehicle that does not belong to you,you can even get tags for it.youjust cant transfer the title.


What is the actual meaning of insurance?

The term insurance means the transfer of risk from one person to another, usually a company specializing in the insurance industry. You can transfer any type of risk be it the risk of wrecking your automobile, the risk of dying, the risk of a storm damaging your home. The type of risk dealt with in insurance is always the risk of financial loss.


Can a benificary give up rights to the insurance and transfer it to another person?

yes