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.
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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 )
%DETAILS% This depends on the individual insurance. I would call your spouse's insurance. I wouldn't say anything about why you lost your COBRA unless they ask especially if you are well now and expect to stay that way. In other words, you don't have a chronic condition. The less you say to health q…uestions, the greater your chance for coverage. Please don't be deceitful, but don't think you're being dishonest by not offering information. The insurance company will ask the information necessary to ensure they will make a profit from the deal if they can insure you. Good luck. Also, if you can't be picked up by a spouse's insurance, some states (such as Tennessee) offer insurance to the uninsurable. While this may not be the best insurance, it is definitely better than none. You should be able to. Typically, on a company sponsored policy there is an "open enrollment" period to start, end or change benefits. Most companies allow employees to make changes for "major life events" which generally include births, deaths, marriage, divorce or change in spousal benefits. Probably. It would be a "qualifying event" and therefore you shouldn't have to wait for open enrollment. ( Full Answer )
If you and your spouse or partner are both eligible for employeehealth benefits, check out each company's health insurance optionsduring open enrollment to see which may cost you less. But As you know very well that there are so many health insurancecompanies that are available. So it would be bett…er if you firstcheck and compare all the health insurance policies online. ( Full Answer )
%DETAILS%\n. \n. \n Answer \n. \nWhy not?\n. \nWhat is the Pre-x clause in your policy?\n. \nIn CA a insurance company has to credit the time on a prior plan to the pre-x.\n. \nThe old plan only covers if your disabled...\n. \n. \n Answer \n. \nThe new insurance should cover the inc…ident unless it can be excluded under a pre-existing conditions clause. Under HIPAA, if you left one employer plan (or a HIPAA compliant individual plan which most major medical plans are)and transitioned to another without a break exceeding 63 days then the new insurance can not impose pre-ex clauses. Your old insurance should have provided you what is called a Certificate of Credible Coverage which you can give to your new insurance company to waive the pre-ex provided you met the other rules. ( Full Answer )
Does a new spouse's insurance have to cover you if you have a pre-existing condition even if you currently have your own plan but plan to cancel it?
Yes, but you have to do it within 30 days of the marriage. This presumes you are talking about Employer Group Insurance. For more details see http://www.steveshorr.com/late.enrollee.htm http://www.dol.gov/elaws/ebsa/health/11.asp
Can you drop out of your work insurance plan at any time if your spouse's new job offers you better coverage?
Check and make sure that your spouse's employer does not require you to keep your insurance first. My employer requires that if your spouse has insurance available through their work they must get it or they will drop them from their policy. Yes. The problems come not when you drop a plan, but when …you want to sign up for a plan and it's not open enrollment or you're a new hire. For more info see http://www.steveshorr.com/bc.group.htm and scroll down to "deleting employees from a plan" My ex wife has custody of our two children. She just put insurance on them from her work a few weeks ago. I just graduated college and put them on my insurance at work. Her insurance says that she can't drop the dependant children with out an "event" happening. They said I would have to go to court and have the court order me to pay support, then they would drop her coverage. I belive you can drop anytime. Does anyone know if I am right or not? ANSWER If the employer takes the premiums for the insurance in pre-tax dollars by using a 125 Flex Premium Only Plan, the IRS can penalize the employer for allowing employees to drop the insurance plan without an IRS qualified "event." An event is defined as a birth, a death, a marriage, a divorce, an adoption, a change of employment, a court order, a move of over 50 miles. ( 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 )
For an unmarried 25 year old is secondary insurance available to cover the 20 percent not covered by an employer's group policy?
Answer . Yes. It is called suplemental insurance .. your age and marital status are irrelevant.
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.
Medical Insurance Answer . What does the brochure or policy Evidence of Coverage for the secondary policy say?
If you lose your job and primary health insurance but are also covered through your spouse's group plan are you still eligible for COBRA?
That would depend on if your spouse's coverage is group or individual coverage. If it is group coverage offered by your spouse's employer then NO. Cobra regulations specifically say that you are not eligible if you have other employer sponsored group coverage with one exception. That is if the other… coverage includes any pre-exisitng conditions clause that would deny you coverage for that illness/injury. If you have no pre-existing conditions or the pre-ex caluse does not relate to you (ie. pregnancy is a pre-ex but you are not pregnant) then you are not eligible. If the spouse's coverage is individual coverage and not group you are still eligible for Cobra. ( 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 )
Yes, with prior authorization and a determination of medically necessary (ie. not purely cosmetic). A MassHealth dentist/orthodontist can help with the process. Good luck. It's not a quick and easy process, but it is definitely worth it!
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 !
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 )
Just about anything...I'm going to guess your asking about health insurance and the real answer is...it depends.. Here's the 2 things you want to look at before purchasing health insurance of any type:. 1) Pre-existing clause - standard clauses state that anything diagnosed or treated 12 months pr…ior won't be covered for the first 12 months on the policy for instance. So, make sure you dig out the "look back" period and the "waiting" period.. 2) Limitation and Exclusions - standard things like they won't pay if you were self-inflicting an injury, drugs & alcohol, illegal acts, etc. In some individual policies they can exclude (not cover at all) certain conditions that are currently present as well so make sure you read the fine print. Most States have law to govern group policies, like in Florida all group policies must cover maternity, etc. but all carriers must disclose this information and most all States have a "free look" period of at least 10 days so that you can review a policy book in its entirety after purchase and get a full refund if you decide you don't want to keep the coverage. ( 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.
If I didn't have insurance for 4-5 months due to quitting a job and am getting new insurance from a new job and I found out I had diabetes in between jobs would new insurance cover that?
Group insurance through a job is the way to go. However, Diabetes is usually not a reason for not qualifying for health insurance. Your premiums will just be high.MichaelFindYourPolicy.com
To the best of my knowledge, In the US all life insurance companies cover suicide after 2 years of in force issue.
Only if the transmission was damaged in an accident. Auto Insurance does not pay for maintenance or mechanical repairs that are not the result of an accidental loss.
If while I was married my wife had a child and I am not the father do I have to cover this child on my employer's insurance?
If your name is on the child's birth certificate as the father oryou have sense assumed parental responsibilities for that child,then you may be required to cover the child regardless ofbiological paternity. This can be challenged by filing an appeal tohave your name removed from the birth certifica…te if you wish. ( Full Answer )
In order for anyone to be covered under anyone's health insurance, they must be listed on the policy and a premium must be collected for them. If your spouse did not include their names on the plan and no premium is being collected for them, then they won't have coverage.
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 )
Any job related injury is covered by worker's compensation, your health insurance shouldn't come into play with a work related injury.
I believe this question is asking how to cover your investments in gold based on your home owners insurance.. You ask him to right a ryder, just like ih D.C..
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.
There are different coverages under an auto insurance policy like the liablity coverage,-(PPI) comprehensive coverage and collision. You switched the insurance and so the new car has only the coverage which you had opted for in your old car which might have been only the liablity - mandatory coverag…e. Thus technically you had insuracne coverage sufficent to abide to your state rules but your car was not covered for own damges of comprehnsive damage to the car. Hence the insurance company is saying that you do not have coverage.. Please check your insurance coverage when you buy a new car and upgrade the same. ( Full Answer )
Would insurance cover me at a new job if you had insurance at your last job and daughter has a brain tumor?
It is possible, but I would use COBRA until I have a definitive ruling from the new insurance Carrier
Your question can be read in a couple of ways. 1. If an occurrence covered by a homeowners policy caused damage to the roof, it probably would be covered. If the occurrence that caused the damage was a type of occurrence covered by the policy, the damage would likely be covered. 2. Conversely,… if the roof leaked just because it was old, insurance would not cover repair or replacement because insurance does not cover ordinary wear and tear. 3. If what you mean is whether a new roof (rather than an existing roof) is covered, the rule stated in #1 would apply. ( 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 )
You are 33 weeks pregnant and your insurance runs out at the end of the month-if you switch insurance will the rest of your maternity costs be covered by new insurance?
Finding insurance for pregnant women is not always easy because pregnancy is considered a pre-existing condition. If you dont have coverage before you become pregnant, finding coverage can be expensive. here is an article that can help you find affordable health insurance while pregnant and get you …the coverage you need. http://www.insuranceagents.com/pregnant-health.html ( Full Answer )
They would cover it if the damage occured during the policy period. The damage would have to be sudden and accidental damage, not wear and tear.
If you have a court order to cover a dependent child and you remarry can you legally put your dependent child on your new spouse's insurance?
I guess it depends on the insurance carrier? I think, most won't allow it. I, on the otherhand, can cover my stepchildren with my employment healthcare provider and union agreement.
Sure you can. But why would you want to purchase coverage if youalready have coverage on your wife's plan? You might want toresearch now and then wait to buy until after her coverage comes upfor renewal.
Covered Persons Auto Insurance covers the Named Insureds as defined by the policy. It may provide property coverage as well as medical coverages. It will almost always provide Liability coverage. Some policy forms extend coverage to other permitted drivers while some policies will not. For exam…ple a "Named Driver Policy" extends no coverage for other drivers at all whether permitted or not while most "Standard Policy" forms will extend coverage to permitted drivers. It all depends on the type of policy you buy. Insurance is not for cars, it is for the protection of the people who own and drive them. Your auto Insurance does not automatically insure anyone who drives and it does not as many assume in layman terms follow the car, It follows the named insureds interest in the vehicle when it comes to property. The liability portion covers the named insured as defined by the policy and their legal liabilities as defined in the liability coverage section of the Policy. Never assume that Auto Insurance Follows the car. Automobiles do not drive themselves. It all depends on your policy language. There are many types of auto insurance policies available in the market place these days. Never make broad assumptions about your legal liabilities. Your Insurance Agent can usually explain your coverages and recommend the right policy for you. Happy Motoring. Answer Most insurance companies will cover a driver not listed on the policy as long as they can "reasonable assume the driver would have had permission to use the vehicle." and as long as the person has not specifically been excluded from the policy. Just keep this in mind: The car is insured. A driver permitted to drive the car is usually covered since the insurance follows the car. That owner of the car will always be responsible for anyone driving their car provided that the driver has the express or implied consent of the owner to drive it. That is called "vicarious liability". Insurers set premiums (as to liability coverage) based, in part, upon the persons who will drive it. The insurer is concerned with the risk factors that the driver(s) create. These include, driving history, age, whether or not the vehicle will be used for personal or commercial purposes, etc. As a second note, make sure you add drivers to your policy that have a normal access and usage of the car to properly notify the carrier of that driver or drivers. If a carrier finds out that you have a driver that's not listed (either through a claim or other database) they can mandate you adding that driver. Moreover, if a collision occurs the insurer may deny coverage that would otherwise exist. This is because the policyholder did not pay a premium attributable to the risk created by the additional driver/ ( 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.
Esure insurance offers four different types of insurance - Home, Travel, Pet and Car. Home insurance is normally building and or contents, travel insurance covers medical costs abroad, pet insurance covers vets fees and medications, and car insurance covers your car repairs in the event of an accide…nt. ( Full Answer )
you are able to find out if your insurance covers invisilign by by calling them on their own personal hotline and discussing it with them. Or try discussing it instore with a customer service representative.
No, Your home insurance provides coverage for property losses and certain liabilities that may arise out of home ownership.
Am i liable in Tennessee if a home health worker falls and gets hurt in my home can the workers employer's insurance cover me as an insured?
No. The company has Workman's comp for that sort of thing. When a home heath care worker is providing service in your home, the home is just an extension of their workplace. You would not be liable, Unless of course you intentionally assaulted or pushed the person down.
If these are tools you use at work and not exclusively around the house then you will have no coverage for these items. If you are self employed, you should have a separate commercial policy that will cover these tools whether they are on the job or at your house.
Most likely, however, you must first determine specifically what it is you're claiming. If your roof has become a victim of simple ageing, I doubt there will be any coverage at all....unless you're paying jolly exorbitant premiums. If it is damaged due to 'force majure' (an act of God), this may …also be excluded, such as in some areas prone to tornadoes or hurricanes or cyclones. This, again, you need to check on your policy. There may be a rider for this specific purpose that you're required to purchase. If a neighbour's tree falls across their property line and onto your roof, their home owners policy in almost every event would be covered as this is part of the liability coverage. I'm sorry I can't address specifically as I don't know what type of policy you hold, how old it is, and what the type of claim you're considering based upon which facts. ( Full Answer )
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 )
No a work trailer would not be covered by your homeowners insurance. Anything used in a business is not covered under your homeowners insurance. A trailer to be attached to a vehicle would be covered for liability extended from whatever it is attached to but physical damage for the trailer itself wo…uld have to be purchased on a separate policy or a commercial fleet policy. ( Full Answer )
A trailer is not covered under a homeowners policy whether or not it is used for work. You need to purchase a seperate policy to cover this type of property for physical damage coverage. While it is being towed and attached to a vehicle the laibility coverage from the vehicle extends to the trailer …so if you back it into someone's car the towing vehicle's liability insurance will pay for the damage done to the other person's car. ( Full Answer )
Dog insurance covers illnesses, cancer, vehicle accidents, poisonings with food and plants and other common issues.
It is not easy to qualify for disability insurance if you have a recent DUI. The logic behind this is that you are at greater risk of suffering a disability if you are injured in a car accident and you are more likely to have a car accident if you have a history of DUI. If you are asking about wh…ether or not your employer's auto liability insurance will cover you, then the answer is "probably not" if your DUI is recent (3 years or less). ( Full Answer )
Holiday insurance will cover a wide range of illnesses including viruses, infections, accidents and tropical diseases. It might not cover existing illnesses and conditions though.
Anything that is owned by the homeowner would not be covered byrenter's insurance. That would be the building, any appliances, thefurnace, sinks, tubs, floors, walls, etc.