Yes. Different insurance companies often have different underwriters. Just because you get benefits and provide payment to your insurance company, doesn't mean they actually are the one insuring your health. They actually have their own underwriters who say yes or no on whether a person is insurable. They pay their own fees and get benefits from that underwriter. So when you provide information to your insurance company, they actually forward it on to their underwriters so there's that extra chance of identify theft and if you change insurance companies because of a dispute, if the new company has the same underwriter they will know the whole story. Confused yet?
Government run insurance would mean that everybody would have insurance coverage. It would be affordable for the people who do not have the means to carry health insurance. It also would mean that no American can ever be turned away for medical treatment, because they do not have insurance.
First it needed to be turned into a law. It was proposed by someone in the Senate and made its way through the various channels until it became law.
I think your question is: What is a Health Insurance Exchange. If so, it is a government regulated market where individuals and businesses can purchase health insurance. This is a direct result of the Affordable Care Act that was passed by congress and is also referred to as "Obama Care". Open enrollment will begin through health insurance exchanges on October 1, 2013. The date that OPEN ENROLLMENT WILL CLOSE is March 1, 2014. Between October 2, and January 1, 2014, those who don't have insurance, or who have insurance through a personal plan, will be able to shop for (possibly) a better more cost effective plan. Under this new law, one cannot be turned away because of pre-existing conditions. If you find an insurance plan that is right for you, through the marketplace, then you insurance will begin January 1, 2014. If you have questions, the government has set up a web site that is very helpful called healthcare.gov.
It depends what state you live in. In some states, insurers have to offer you a plan though they may be able to charge you more. In other states, the insurer can refuse to sell you a plan. If you are turned down for health insurance, contact your state's insurance regulatory bureau to find out whether you qualify for a high risk pool or other program for people who are considered "uninsurable".
fossilization... Petrified. ya'ass.
Current flows through a wire when a light switch is turned on.
Magnets that are turned on by passing an electric current through them, and turned off by not allowing an electric current through them.
Gas is turned into a liquid through condensation.
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There are many companies out there that sell Malpractice coverage. You just have to check with another insurance company.
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