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Not usually. The majority of insurance companies accept the change valid at the time of the request. Even if it changes the premium amount.

2015-07-15 19:33:59
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Q: If your spouse who is not the primary insurance carrier makes a change over the phone is there a waiting period before it goes into effect?
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Related Questions

While you are waiting on the lump settlement is the insurance carrier for my workmens comp still required to pay out weekly payments as before?

yes they are. basically, if you are waiting for a lump sum settlement, then you have already been delared permanent and stationary(injury will get no better, or no worse). once the insurance adjuster receives all of your paperwork from the doctor who released you, your weekly payments will most likely be alot smaller than before. this is in preparation for your lump settlement. depending on the carrier, you may be able to receive small advances on the end amount if needed though.

Does medicare as the secondary insurer pay for the deductible of the primary helath plan?

No. If you have a deductible with your primary carrier, you will have to pay the deductible first before Medicare will pay anything.

Does the provider have to file primary insurance before filing secondary insurance?

Yes, and you want them to because if they are paid out of order then it will be a mess to correct.

Does medical provider have to have a copy of subrogation letter before filing on insurance?

No, if they have information of a third or first party carrier who is liable for accident related costs, they can make a claim directly to that carrier.

At what time does an insurance policy go into effect?

In most cases an insurance policy for a car goes into effect the moment the first payment is made. In the case of medical insurance there might be a waiting period based on the insurance company. Life insurance usually goes into effect after the first payment is made, but there might also be a waiting period before benefits will be issued.

If you buy a utility trailer from a dealer do you need to insure it before you take it off of the lot?

In my state the answer is no, as the trailer is covered by your auto insurance. Contact your insurance carrier to find out about your state.

If insured by your employer and your spouse's employer which is the primary insurance?

Your insurance through your employer is your primary insurance, and your spouse's primary insurance is through his/her employer. If both husband and wife are insured on both insurance policies, then you have primary and secondary coverage. But you will still have to pay any deductibles and co-pays before either policy will pay. The deductible is the amount you first have to pay (usually at the first of the year) before the insurance will pay anything. The co-pay is your percentage of what the insurance doesn't pay, which for many health insurance companies is 80% for them and 20% for you. There is sometimes a co-insurance that you have to pay also. Ex: Insurance companies have a set amount that they pay for any office visit, procedure, etc. If the bill is over what the insurance pays, then you are responsible for the balance.

Will your health insurance pay first if you are in a car accident?

No. You auto insurance has to pay first before the health insurance will begin to pay. Usually they want a letter from your auto insurance carrier to prove that all medical payments coverage on your auto insurance has been exhausted.

What is the definition of primary coverage in regard to medical insurance?

Often, a person will have "primary" insurance and "secondary" insurance. For example, if you have insurance through your job, and your husband has insurance through his job, then your primary insurance will be the one through your job, and your secondary insurance will be the one through your husband's job. Also, your husband's insurance through his job will be his primary, and yours through your job will be his secondary. There can be some exceptions to this though. For example, if you were married, had a child, then divorced and remarried (retaining custody of the child), and both your ex and current husbands have insurance through work, then the one who's birthday is first is considered the "primary" insurance, and the other is the "secondary" insurance. But there will still be a deductible with each one that has to be met before either one will pay.

What should a homeowner do if their homeowners insurance was cancelled because of a dog-bite claim for 25k?

Shop for a new insurance carrier. If still no luck, then it becomes what is referred to as "Assigned Risk". Generally, it takes 3 or more refusals to issue before that is considered. Assigned risk means that the state in which the property is located, assigned your policy to a insurance carrier. Very expensive, as you can imagine.

How will my son's dui's affect insurance?

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Where can one obtain insurance for their customised autos?

Many insurance agencies will allow you to add on an endorsement to your current insurance. One should check with their current insurance carrier first before switching. One wants to make sure that the endorsement covers at least as much as the added customizations cost.

What insurance is carried and comes in to play when other insurance is exhausted?

This is called "excess" or sometimes, "umbrella" coverage. It can be written by the same insurer that writes the primary limits if it offers such coverage. If it does not, you may have go to another insurer for it. The excess insurer may require a minimum primary coverage limit before it will issue such a policy. Typically, it is less costly than primary insurance because it does not have an obligation to pay until primary limits are exhausted. It can usually be had in both personal and commercial lines of insurance and in varying amounts.

What consumer comes before a primary consumer?

There is no consumer before primary consumer. There are producers before primary consumers

When people have more then one insurance which one is considered the primary ins?

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Which insurance companies offer instant life insurance?

Most insurance companies offer full benefits on the first day your coverage takes effect with no waiting period. As with most companies, you will need to fill out their forms to be processed. The faster you turn in the forms, the faster you will be covered. Colonial Penn is an example of many companies that will offer full coverage with no waiting period before you can collect full benefits.

What is the purpose of the ICD codes on medical claim and does it have an effect on payment to the insurance carrier?

The ICD codes are a standardized medical "language" for naming every known illness and injury. The claim uses the ICD code (saying what was wrong) and codes for procedures and treatments applied. The insurance carrier checks if the treatment seems reasonable and appropriate before determining the amount of payment.

Know Your Waiting Period For New Health Insurance Coverage?

Buying health insurance online can often make policies much less expensive, which makes the Internet a great tool for health insurance buyers who are looking for more coverage. However, be careful when buying additional health insurance coverage. Check for a waiting period on your policy. This is a period that you'll have to wait before your new coverage becomes active, so it's a very important part of any new policy. Knowing your waiting period can make it easier to assess the overall value of your new health insurance coverage and make buying medical insurance a simpler process down the line.

Does a secondary beneficiary only receive funds from a life insurance policy if the primary beneficiary has already passed?

Yes. A secondary beneficiary only becomes beneficiary if the primary beneficiary dies before the insured. Say the insured and primary beneficiary are involved in a fatal auto accident but the insured dies an hour before the primary beneficiary. The insurance proceeds would not go to the secondary beneficiary but to the estate of the primary beneficiary. If the primary beneficiary dies an hour before the insured then the secondary beneficiary receives the proceeds. If an insured wants both to receive monies they can name more than one person as primary beneficiary and in what percentage for each person. They could also leave it to their estate and handle distribution by a will.

Is a waiting period required before an abrotion?

Some states require a waiting period before an abortion can be performed

How long does it get to get health insurance?

How long does it take to get health insurance? It depends. Are you talking about health insurance that is offered through an employer? If so, some employers require their employees to satisfy a waiting period before they are allowed to enroll for benefits. Most employers don't have a waiting period though. Ask your employer's human resources department for information. And, as with any product, read your insurance brochures and don't be afraid to call their customer service department for help or if you have questions.

Is it required to make a primary dental insurance adjustment if the dentist is a preferred provider before submitting a claim to secondary insurance?

You wait until both claims are received then write off the lesser of the two amounts

You were charged with a DWI 5 years ago and have a CDL and have not been driving you were told it would be 5 years before you could drive again Now your insurance company says you cannot drive ever?

Your insurance company doesn't make that determined. Go apply at some carrier... THEIR insurance has the final say.

Is insurance carrier required to report hit and run to police?

The insurance company is not required to report a hit and run to the police but in most all personal auto policies, the insured is required to report a hit and run to the police before the insurance company will treat the claim as an uninsured motorist claim. This is usually a policy requirement.

Is there a waiting period after a divorce before you get married again in the state of Mississippi?

No. There is not a waiting period.