In NY if you have health insurance and have colon cancer but want to switch insurance companies for better coverage does the other insurance company have to take you?
I sure would check before I made the switch. You could be getting into that pesky, ''pre exsisting condition'' thing.......Ask the new carrier first before you switch, (I'd get it in writing).......good luck to you. Actually, in NY health insurers are not allowed to reject you for a pre-existing condition as long as you show continuous coverage with no lapse for a specific period of time. Just make sure that you do not cancel your old policy until the effective date of the new coverage. I have done this many times for my clients. Good luck to you.
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\n Switching Insurance Companies \n\nIt is certainly okay to switch insurance companies if it is in your best financial interest. We are a capitalist culture, after all. Everyone should shop around for what's best for them. But be careful about not paying your premium because you believe you've go…t a new carrier. For instance, you go into a State Farm office, fill out an application, throw away your premium notice for Farmer's - only to find out that State Farm turned down your application. Farmer's could technically drop you for non-payment of premium. Usually, it's best to pay up on your premium, obtain your new insurance, and then contact your old carrier for any reimbursement. ( Full Answer )
No, is there something else going on, like not paying your premiums? Are they cancelling EVERYONE in your state? Did your employer stop paying the premiums? For more info see www.SteveShorr.com Did they drop your coverage or were only 30 treatments approved and the doctor "forgot" to ask for …additional treatments? Additional treatments can be retro-approved so this shouldn't be a big problem. Update: (1/18/2010 - Nameless Cynic) Excuse me? Yes, they can and will drop you on any basis that they can dream up. The process is called "recission," and Blue Cross admitted in front of Congress just six months ago that, not only does this occur, but they have no plans of stopping it on their own. http://articles.latimes.com/2009/jun/17/business/fi-rescind17 ( Full Answer )
'Significant Other' Insurance . I believe that currently no insurance companies HAVE to extend benefits for partners. That is one of the many issues concerning gay marriage because by legalizing marriage between couples of the same gender, it would give recognition to the spouse. This would there…fore require insurance companies to offer insurance coverage for the recognized significant other.. However, that's not to say that forward thinking insurance companies don't exist in the United States. Browse websites for insurance companies in your area, many of them will include information on benefits for same-sex couples. For example, my car insurance company (Geico) offers the same discounted insurance rates given to married couples to myself and my significant other. While they may only be seeing the dollar sign and not the politics, it's nice to know there are companies out there that can be ahead of the curve.. It is not a legal requirement for any insurer to offer such choices. Insurers are not legally bound to insure anyone and can avoid discrimination laws by the use of the company's definition of who qualifies as insurable. This is one of the reason for so many "redlining" suits and similar litigation.. Answer . In some state (like California) there are domestic partners laws that do require extension of benefits. There are precise definitions and guidelines that must be followed however. For instance, if a medical insurance policy is issued in CA then they must offer domestic partner coverage. However, if you work for a company headquartered out of CA and the polciy is issued in that state, even though it is insuring individuals in CA it does not have to extend the coverage since the policy was not issued there.. ï¿½California Insurance Equality Act,ï¿½ provides additional benefits to the registered domestic partners of employees in California and imposes additional benefit requirements on insurance companies. The law requires all health care service plans and health insurance policies, as well as all other insurance policies regulated by the California Department of Insurance, to provide benefits to registered domestic partners of employees equal to the benefits that are offered to spouses of employees.. The law is effective for health care service plans (HMOs) and health insurance policies issued, amended delivered or renewed in California after January 1, 2005, which means the law will be effective for calendar year insured health plans January 1, 2006. However, the law applies to all other insurance policies issued on or after January 1, 2005, so it would apply for the 2005 year for such policies. A.B. 2208 does not apply to self-insured plans or to insurance policies that are not regulated by the California Department of Insurance. ( Full Answer )
Health Coverage . \nNo they are not. Parents and children must go always go through the appropriate paperwork and procedures for relatives to be added on a health insurance plan, whether publicly funded or not.
Answer . the internet. Or call centers for medicare and medicaid services. Or even call the big insurance companies, blue cross blue shield, univera, cigna, aetna,I think rmsco is in upstate.
If you are referring to private insurance, then contact an agent, this of course assumes you are legal. Also if the company you are employed with offers group insurance then you should qualify there as well. If you are foreign visitor, seeking temporary health insurance during your stay abroad, y…ou need Visitor Medical Insurance. Visitors Health Insurance is highly recommended for international visitors and foreign travelers visiting countries like the US and Canada, which covers the visitors health outside his or her home country. There are many plans from many visitor insurance providers, you can visit and then review the various options. ( Full Answer )
In the UK health insurance companies operate by "opting" into the insurance system. People would approach whatever company that they would like to provide their health insurance. People could use many price comparison websites to choose the best supplier which would most suit their needs in relatio…n to what level of care they need and also what meets their financial limitations. Hope this helps. ( Full Answer )
The question is - getting a new company to take you. HIPAA and other laws require that if they do, the time on the old plan count toward the Pre-X waiting period.
If you join any Insurance Company as an employee, a decent remuneration awaits you, apart from job security. Whereas if you join as an agent, you are your own boss and you will write your own monthly check,on the basis of your performance. You have no hectic time schedule, no thrashing from your emp…loyer for delayed arrival,only your will power, hard work will fewtch the necessary dividends. ( Full Answer )
Answer . That depends on where you live and what kind of coverage you are looking for. In almost all circumstances an insurance company can not refuse to cover an employee on a company plan. If you are looking for individual coverage then it will depend on if your state guarantees coverage.. Whi…le it is nice to have coverage guaranteed for all, it is almost always more expensive in those states. Here in CA individual coverage is fully underwritten, meaning you can be denied. Consequently, those they do cover they can do so for less.. If you are in an underwritten state and are declined check to see if there is a state high risk pool you can join. If not, look at a guaranteed acceptance defined benefit plan. If you need help please let me know (firstname.lastname@example.org). ( Full Answer )
The legislation differs depending on which country and region you are in. Some regions/country provide a state-run health insurance, so companies are not required to have one.
This issue arises primarily in health insurance. If there are multiple policies that arguably cover an occurrence, the policies generally contain "coordination of benefits" provisions which deal with which policy pays first (and second, and third).
According to the Insurance Information Institute there were 1,398 life, health and medical insurers and re-insurers in 2011. http://www.iii.org/facts_statistics/industry-overview.html
GRANITE STATE INSURANCE COMPANY (888) 244-6163 PO Box 85041 Phoenix, AZ 85072-2041 The codes are listed here: http://www.ins.state.ny.us/dmvindex.htm
When asked this question during an interview, it is important totell the interviewer why you think their company is better thanothers. It is also important to tell him or her why you think youwould make a valuable asset to the company.
There are many good health insurance companies. Some are indemnity companies and some are managed care, such as HMOs and PPO's. Costs differ depending upon the company, the choices of provider offered, and the number of people to be insured under the policy. There is no "best" health insurer. Peopl…e like or dislike certain ones based mainly upon their own experiences with claims and customer service. You can get the names of health insurers that are authorized to engage in business in your state by contacting the office of the state insurance regulator. Alternatively, you can contact a local, licensed health insurance agent or broker who represents one or more health insurers. It is extremely important to deal only with "authorized" health insurers. These are those who have been licensed to transact health insurance business in your state. By going through the licensing process, the insurer must demonstrate, among other things, financial soundness. ( Full Answer )
There is really no "top" health insurance company. People like or dislike their insurers depending upon many factors, including the manner in which claims are handled and customer service. They also weigh the amount of choice that they are given in the available physicians that they can use. In all… events, it is critical that you deal only with an insurer that is authorized to transact health insurance in your state. This means that they are licensed by the state insurance regulator and have undergone scrutiny as to its financial condition, staffing, the background of management, and other factors. ( Full Answer )
In USA, Insurance is mostly regulated by states. Each state has insurance commissioner that regulates Life, health, property/casualty insurers, etc. Many federal laws (such as Serbanes-Oxley (SoX), Gramm-Leach-Bliley Act (GLBA), etc.), and federal agencies (such as IRS, SEC, etc.) also have a hand i…n regulating insurance companies. To help make insurance more uniform across the USA, National Association of Insurance Commissioners (NAIC) proposes regulation, which then each state's legislators have to approve. More information can be found on NAIC web site:http:/www.naic.org/topics/topic_federal_insurance_regulator.htm ( Full Answer )
Some information. They may need to know each other's effective dates so they can coordinate coverage. Insurance companies do not have to give your information to other carriers. There is already a BUREAU, much like the credit bureau, where information on those who purchase insurance is stored, as… well as claims information. All carriers have access to this information and once an application is made they will go to the BUREAU and obtain more details on your insurance history. ( Full Answer )
Answer Car Rental Ins: . EXTRA insurance that you have a choice of taking or opting out of when you sign the rental agreement (by checking and initialing the correct boxes) has been a confusing part of renting for years. It's a big money maker for the rental companies , but it's not always a ri…p-off . They will try and get you to get extra personal liability,...extra property liability coverage,...a something called CDW. . First, each company must carry liability for their cars that they rent out in every state. So if you're in an accident and it's the other guys fault, his/rental company pays damage. If it's your fault, the rental company pays the other guys damage, but not the damage you've done to the rental. . Second, basically same for personal libility, except if it is your fault, the rental co. personal liab. insurance pays injuries. . Third, always ckeck your own auto policy and credit card agreement (the card used to rent the car), because many times one or the other may offer insurance coverage on your rental. THEREFORE I usually tell people to skip the extra insurance offer by the rental company. They charge per day per type, usually over $10.00 each. By the week that VERY expensive. . Final IMPORTANT note: I've rented a lot of cars and have figued out that the CDW is worth having....WORTH EVERY PENNY. In the first scenierio, if it's your fault, and your credit card provides nothing, or you're using a VISA Debit card....you will owe that rental company ONE car, just like you left the lot with . This is where COLLISION DAMAGE WAVIER (CDW) comes in. (sometime called by a different name). You pay $11 - $ 16 a day extra, EVERYTHING is covered......scratch,.dent,.burn hole in the seat,. food/drink spilled on carpet,.kids write on interior with majic marker....you name it and you DON'T OWE THEM A DIME. AND if you crash it, they give you a brand new one to finish your trip! ( Full Answer )
Can you choose how much coverage you want for homeowners insurance or does the insurance company have the right to drastically increase your coverage without your approval?
It is unlawful to intentionally under insure your home. Your insurance company is required to review your homeowners policy regularly to insure that you are properly insured and that your homeowners policy is in compliance with the law as well as the terms of any associated mortgage note.
yes they do they if they want u to work there. Answer: Most of the small business offer insurance to their employees. They pay your health insurance. Even some business organizations not only provide you health insurance but also take care of employees by provide them health assistance time to …time.Actually, there are many more SMALL BUSINESSES in the USA than BIG businesses. The fact is that more and more small businesses are NOT providing any benefits to their employees due to the higher and higher cost of health coverage. Instead, they are building enough income into the employee pay to allow the employee to purchase their own private coverage, which is typcially less cost than group coverage. Better for the small business - better for the employee. ( Full Answer )
When your company offers health insurance are you required by law to have health coverage to work Do you have to opt in?
If you are required by law to carry insurance, you can either have it through the employer or provide your own. They cannot legally force you to opt in to their coverage.
Property Coverage Valuations Not to just whatever they want no! However you must understand how Property insurance works. For example, You have a 100,000 dollar home and you insure it for only 50,000. should you have a loss on your property the Insurance Company would not be required to pay for… it. Your home would be considered under color of law as Under-Insured which is actually a form of Insurane fraud. This is because the law requires that your home and other covered property be insured within 20 percent of the actual risk. The law provides for a 20 percent fluctuation because as we know property values can vary even over a short time. Most Insurance companies will re-evaluate the valuation of a home every few years to insure that your policy provides the proper coverage amount. The company would actually be in violation of the regulations if it failed to do so. If your Homeowners Policy has a replacement cost valuation then they must occasionally recalculate the cost of rebuilding your home to ensure that it is properly covered for the construction and material costs in your area. If the home is Insured for ACV or Actual Cash Value then there is much less need for increased coverage due to that most homes depreciate with time. If your interested in insuring only what you owe on a mortgage note, what you need is "Mortgage Insurance" Homeowners insurance covers your home. not just your mortgage company. Hope this helps explain what may have happened with your coverages. The Insurance Companies are actually required to review these things from time to time otherwise you could be in a situation where you are under-insured and your Homeowners policy would be null and void offering you no coverage at all. Answer insurance rates need to be filed with state insurance commissioner's office - you are free as a consumer to switch companies if the change is premium is not acceptable - would recommend contacting an independent agent that works with many different insurers to provide different options ( Full Answer )
Can your homeowners insurance company raise your coverage amount to whatever they want without your consent?
Yes. This occurs when a review of your home shows it to be under insured. If your house is insured for 200,000 when it would actually cost 300,000 to replace then it is a problem as most insurance companies guarantee to cover up to the replacement cost.
This is a very broad question as worded. However, there are a multitude of reputable companies. Some of the factors to consider include: 1. Are you interested in an HMO or an indemnity company? An HMO proceeds on more of a managed care model where pre-approval of procedures is often required. An …indemnity model tends to allow greater choice of physicians, but is often more costly than managed care plans. There are many great companies offering either, both, or combinations of those models. 2. Not all insurers offer health insurance in all states. You have to be certain that the company that you choose is licensed ("authorized") to transact insurance business in the state. You can do this easily by contacting the State Insurance regulator's office located in your state capitol. 3. If you deal with an insurance agent or broker for other types of insurance needs, obtain a referral from him/her. Typically, a life insurance agent will also deal in health insurance. 4. When you find a company that seems appealing, contact the State Insurance regulator's office to determine whether the company has a favorable complaint ratio. That has to do with the ratio of complaints compared with the amount of business that the company writes, and the manner in which complaints have been resolved. 5. An option for you might be a medical discount plan. IT IS NOT INSURANCE in the sense that the plan does not pay claims on your behalf. However, it has negotiated reduced fees with providers and, in return for your payment of monthly membership fees, you are permitted access to the providers at the reduced fee. Remember, though, that you are responsible for paying the provider and that the plan does not assume any risk of payment . While not the same as insurance, it may be a good option for you if existing medical conditions or other factors make traditional insurance unavailable or too costly. I recommend you this site where you can compare quotes from different companies yourfinance.co.cc ( Full Answer )
Everyone has their own opinion on what company is the best based on their personal experience. I work in insurance for a group of doctors and my best experiences have been with United Health Care and Aetna . Technically there is not one company that is better than other per se. The strength of yo…ur coverage depends more on the options that the company you work for offers. Of course the better plans are going to more expensive on the front end. ( Full Answer )
American Family Insurance is a great private insurance company that covers health insurance as well as dental insurance. American Family Insurance also gives you these options for a great price.
Fortis Insurance is a very open company and has many good deals. It has better options than other companies because it is a big company and is able to put out better things you can do.
Blue Cross Blue Shield is one of the largest companies and thus they are able to provide a broad range of insurance plans of varying costs. They should offer something for every budget.
All insurance companies will give you a quote. Some comanies will even compare their quotes as well as with those of their competators. If you are comparing rates, make sure that the policies are actually similiar.
There are several different options for health care coverage with Aetna. You need to decide how many people will be on your plan, and what kind of coverage you want, just doctors visits, prescription coverage, emergency room, etc.
Nearly every auto insurance agency has RV coverage. The more popular choices include Nationwide, esurance, and Progressive.
The Willis Insurance Company I was able to find sells both health and life insurance to its customers, but you must be approved and not all people will the meet the standards and qualify for the approval process and get accepted for both types of insurance.
The cost of health insurance is influenced by the individual's age, existing health conditions and sex. Additionally the cost of coverage is influenced by the amount of deductible, the type of coverage, amount of co-pays (if any), coverage on office visits, etc. United Health One, Preferred Care Blu…e Rate PPO and Aetna Preventive and Hospital Care 2750 PPO are among the plans offering attractive rates. ( Full Answer )
"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." ( Full Answer )
Most insurance companies offer health care coverage. The top companies that offer health care coverage are UnitedHealth group and Wellpoint Inc. But there are a lot more too.
By first getting a lot more training than we can possibly provide you on this website.
There are many different insurance companies that offer health insurance for individuals. Some examples include BlueCross, CIGNA, United, and Celtic.
The HCF Health Insurance company has been awarded 5 stars ("outstanding value") by Canstar, a company that compares interest values, for the last four years.
There are many different companies that offer children's health insurance. This includes Cigna, Atena, Blue Cross Blue Shield and Met Life. This can be purchased through a company mostly.
There are many companies that offer affordable health insurance coverage. Some of these companies are: Aetna, Blue Cross Blue Shield, Cigna, and Health Net.
Complete Coverage Insurance is the type of company referred to as an independent insurance agency. They provide insurance coverage for automobile, home, health, business and life.
There are many companies which offer medical health insurance coverage. In Australia, these include Medibank Private, BUPA, NIB, AHM. One can also select the best option from comparison sites.
There are many companies that offer travel health insurance coverage. These companies include Geico, AllState, StateFarm, E-Health Insurance, and Golden Rule.
Health insurance in the United States is very expensive and some places of work give free health insurance. Some can be obtained by going to some companies such as Obamacare,
Many companies offer dental insurance coverage. Some examples of companies that offer this type of coverage include Delta Dental, Security Life, and Anthem.
They can choose not to provide coverage for a spouse. US law states employers have to provide insurance for employee'schildren under the age of 26, but does not say anything aboutspouses, so they can choose to stop covering employee's spouses.
Insurance is presently regulated by State law (not Federal). Each State prescribes statutory requirements that must be followed in order to enter the business of insurance. State insurance regulators are particularly concerned with issues of solvency, to ensure that the insurer will have sufficient …funds to pay claims as they accrue. Therefore, the specific answer to your question depends upon which State in which the insurer will be domiciled. ( Full Answer )
Basically claims paid in situations when a insurer get hospitalizedfor any surgery. i.e The insurer don't have to pay for thetreatment at the hospital and then make a claim for reimbursementof the expenses. In such cases the insurance company has a service provider calledthe third party administrato…r (TPA) health services, who liaiseswith the hospitals and directly makes the payment for yourtreatment as per the terms of your policy and coverage. ( Full Answer )