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What are some types of insurance coverage?
Some main types of health insurance coverage are individual, group, and business.If you are getting insurance on just you that would be individual. They also have family.
What are the key differences between group insurance and individual insurance?
Group insurance is typically provided by an employer or organization to a group of people, while individual insurance is purchased by an individual for themselves or their family. Group insurance usually has lower premiums and broader coverage, but individual insurance offers more customization and portability.
What are the differences between group and individual insurance plans?
Group insurance plans are typically provided by employers to cover a group of employees, while individual insurance plans are purchased by individuals to cover themselves and their families. Group plans often have lower premiums and broader coverage, while individual plans offer more customization but can be more expensive. Group plans may have limited options for coverage, while individual plans allow for more flexibility in choosing specific benefits.
Can your wife and you get separate health coverage or do you have to get the couple rate?
You should be able to get Individual Plan for each of you. Group Insurance - No.
What are the cost advantages of choosing group insurance over individual insurance?
The cost advantages of choosing group insurance over individual insurance include discounted prices, group benefits, and coverage for families/dependents. The other benefit is that you can pay pretax.
What company offers individual health coverage?
Almost all companies that offer family health coverage also offer individual health care! The top 3 companies in the nation for health care are Unitedhealth Group, Wellpoint Inc. Group, and Kaiser Foundation Group. You can contact one of these in your area, or another health care company, and get a free quote for your plan.
If I have primary insurance through my work and had secondary through my husband's work but he was laid off can I still use Cobra as a secondary insurance or is Cobra only if you have no insurance?
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.
What is the policy for changings jobs and having a pre existing condition?
This depends on whether or not your new employer will be providing you with coverage. If the new employer will provide you with group coverage, then you will have an exclusion for 1 full year from the effective date of the new coverage. During this first year, you will have limited coverage for the pre-existing condition. After 1 year, the pre-existing condition will be covered at 100%.If your new employer is not providing you with a group plan than you will need to obtain individual coverage. Individual Disability coverage is fully underwritten and will likely exclude any pre-existing conditions. If the condition is severe enough, you may even be declined coverage.
How do you maintain health insurance coverage for your wife and son after you turn 65 and are eligible for Medicare?
Where you covered under an Employer Group or Individual Plan? If Employer Group - they would be eligible for COBRA - If Individual - then just tell the Insurance Company to take you off.
How is group health insurance different from individual or family health insurance?
Group health insurance is required to accept all employees regardless of their health while individual insurance can deny coverage to unhealthy people. They also calculate renewal rates differently.
Can your boyfriend and you get on the same medical insurance?
For individual coverage, probably not. Group plans yes, if you qualify under the companies rules as a domestic partner, if they allow it.
What is a world view?
It is the point of view of an individual or group. (how someone sees the world)
