This sounds like a question I was emailed directly. Here's more detail on the question and the answer... I currently do not have health insurance. My wife wants to conceive a baby during this year. This fall I will begin a Ph.D. program at Arizona State University, ***I'm not really familar with the law in Arizona which will provide me with a student health plan insurance policy to which I can supposedly add my wife. Can they deny us insurance if she is pregnant? ***It's not an employer group plan so you wouldn't have HIPAA protection , verify that they are talking about EMPLOYER - EMPLOYEE plans only. There is much conflicting information on the internet, but I read a pamphlet on the Department of Labor website does not matter if the woman had previous coverage, that even if she did not the group plan ***Check the code. They are most likely talking about an EMPLOYER group plan cannot deny coverage. Why is there so much conflicting information about this on the web? ***Definition of terms. Which laws apply to which situations Here's the Federal Governments definition of a Group Health Plan 26 USC Sec. 5000 01/06/03 For purposes of this section - (1) Group health plan The term "group health plan" means a plan including a self-insured plan) of, or contributed to by, an employer (including a self-employed person) or employee organization to provide health care (directly or otherwise) to the employees, former employees, the employer, others associated or formerly associated with the employer in a business relationship, or their families. (2) Large group health plan The term "large group health plan" means a plan of, or contributed to by, an employer or employee organization (including a self-insured plan) to provide health care (directly or otherwise) to the employees, former employees, the employer, others associated or formerly associated with the employer in a business relationship, or their families, that covers employees of at least one employer that normally employed at least 100 employees on a typical business day during the previous calendar year. For purposes of the preceding sentence - (A) all employers treated as a single employer under subsection (a) or (b) of section 52 shall be treated as a single employer, (B) all employees of the members of an affiliated service group (as defined in section 414(m)) shall be treated as employed by a single employer, and (C) leased employees (as defined in section 414(n)(2)) shall be treated as employees of the person for whom they perform services to the extent they are so treated under section 414(n). http://uscode.house.gov/uscode-cgi/fastweb.exe?getdoc+uscview+t26t28+1483+1++%28%29%20%20AND%20%28USC%20w%2F10%20%285000%29%29%3ACITE%20%20%20%20%20%20%20%20%20 Will we be able to get insurance (we are otherwise healthy young people). ***If she is pregnant, I doubt it.
Check out forexfee.com for help with dwelling insurance coverage. A specialist there will be able to answer your questions.
Yes you should be able to.
The Cobra health insurance temporarily extends the coverage by your sponsor or employer. This implies that you can get it after a loss of a job or loss of benefits.
You are required by law to have liabilty coverage, but not collision coverage. If you did not have collision coverage then you are not due any compensation by your insurance company. If you did have collision insurance and the insurance company will not pay, then you may be able to sue the insurance company, but you cannot sue the state.
A car insurance specialist may be able to find discounts on your coverage that you are not aware of.
"There are many different travel insurance companies. Depending on the country you will be visiting, you can find travel insurance quotes and coverage. Travel agents may be able to provide you with a list of companies that offer travel insurance for your destination. They may also be able to provide insurance to you directly during the booking process. There are several travel insurance companies so compare quotes and coverage prior to your purchase."
Call your insurance company and ask what the policy is for removing coverage. You may not be able to if you signed a contract.
Not normally, but you may be able to specify them for limited coverage.
Contact your Insurance Agent. he or she should be able to advise you of your coverage. You could also review your policy language and look for the term "Infestations" to determine if you have coverage.
Insurance companies will no longer be able to exclude same-sex married couples from the discount associated with family coverage. By way of example, in New York State prior to the enactment of the Marriage Equality Act, a same-sex couple purchasing health insurance would be required to purchase two individual policies, which cost more than one family policy. Employers were able to purchase "domestic partner coverage" which sold at rates lower than two individual policies, but private individuals themselves could not purchase domestic partner coverage. Now that same-sex marriage has been legalized in New York State, insurance companies are prohibited from excluding families from family coverage discounts on the bases of gender or sexual orientation.
You may be able to find this type of coverage but it will be very exspensive. You should speak with an insurance specialist.
Contact your human resource or personnel department people. If you have to self-pay for your health insurance coverage at your workplace you may be able to select not paying for it and decline the coverage. It depends on the insurance laws in your state and what is the policy at your workplace. If your employer pays for the insurance for you and you don't have to pay anything then why turn it down? Medical care is very expensive. And if you lose your job you may be able to continue that coverage until you have coverage from a new job.