Does new medical insurance coverage automatically become the primary coverage?
No, I'm checking on the CA State Law, but haven't found it yet. Here's the research I found so far.
From Blue Cross Administrators Manual
Medicare is the primary payor for employees age 65 or older in employer groups with less than 20 employees
When a group has fewer than 20 employees, Blue Cross is considered the secondary payor to Medicare and does not duplicate benefits that might be available under Medicare.
This is from Blue Cross of CA FAQ's
What is Coordination of Benefits (COB)?
A43.Coordination of Benefits (COB) is a provision to coordinate 100% of covered charges between multiple group health insurance and to designate the order in which the multiple carriers are to pay benefits. Under a COB provision, one Plan is determined to be primary and its benefits are applied to the claim. Part or all of the unpaid balance is usually paid by the secondary Plan to the limit of its liability. The coordination provisions apply separately to each member, per calendar year, and are largely determined by California law.
Here's the phamplet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf
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Yes, they do. Me and my boyfriend is on a account together and his license got suspended an they wrote me letter telling me that I had a couple of days to reinstate them and show proof of it.
If you have full coverage insurance on your auto do you have to put a new teenage driver on your insurance or would this be automatically covered?
Yes, you have to ad them to your policy I would call the insurance company and offer the drivers licence number to ensure coverage. there is no sense in taking chances with today's insurance company's.
Primary and Secondary Coverage It may depend on your local regulations but typically which policy is primary is dictated by law and by the terms of your insuring contracts. The default is as follows. Exact Same coverages on both policies / Duplicate coverage The policy with the earliest effe…ctive date is Primary unless the second policy was intended to replace the first. Policies with different coverages. The Policy which has the broadest coverage will be considered primary. ___________________________________________________________ Designating Primary and Secondary Insurance Coverage Here are opinions and answers from Wiki s Contributors: . Since it was court ordered for their mother to provide health insurance, I believe that that insurance would be considered primary...yours would be secondary. I had a similar problem before and a few people told me the same...so sorry their mother's health insurance would become their primary coverage. . Would your ex-wife be willing to pay for the kids' coverage directly to your insurance company? By paying directly to the company, this avoids "power plays," and she might not feel as resentful about the situation. Plus, you could let her know that you would pick up a rider policy that she can use when she has the kids. That way, you both have 100% coverage on your children. If the insurance is paid through your employer, talk to your lawyer first and see what creative options he/she's seen done in these type of cases. If you're going to pay for insurance regardless of her converage, maybe she can pay you a slightly higher child support payment (assuming she has to make one) and you would then be responsible for insurance as long as you are capable of working. In my personal experience, all it takes is an addendum page drawn up by your lawyer, and then submitted to both her and the courts. The courts will accept almost any agreement within reason as long as it is beneficial for all parties including and especially the children. I wouldn't give up on this especially if both of you are making insurance payments. If your ex-wife is able to speak coherently to you at all, you should be able to resolve this by using the reasoning that you are trying to get the most coverage for the children while maintaining current, established medical relationships with their medical personnel, namely their pediatricians and their staffs. If she can understand that a divorce is hard enough without adding one more change, she will be willing to work something out especially if you are willing to pay for insurance regardless of what she does. That shows her that you are serious about this and that it's not a power play. Good luck to you. I know how hard divorce can be on everyone. Luckily with time, it does get better and easier. . If you are married, both have medical insurance and have children, you would follow the "birthday rule". The parent with the birthday that falls earliest in the calender year (no matter what the birthyear is) would be the primary insurance. For example. Mrs. Smith was born May 3, 1945 and has Blue Cross that she has carried for 15 years. Mr. Smith was born June 10, 1939 and has had Aetna for 20 years. The primary insurance would be Mrs. Smith's policy as she was born on May 3rd which comes before June 10th. If both parents have the same birthday (it does happen), then you defer to the policy that has been in place the longest. So, if Mr. And Mrs. Smith had the same birthday month and day, then Mr. Smith who has had insurance for 5 more years than Mrs. Smith, would have the primary insurance policy. . The birthday rule above does exist, but court orders supercede the birthday rule. Only use the birthday rule if there is not a court order involved, like a current husband and wife both cover their children under their employer's insurance. The idea about dropping one of the insurances and just having her pay the cost is a good one. Most court orders just say who has to pay for the insurance, not how it is provided. . No. Here's the rules from Delta Dental's Web site: What is dual coverage? If you're fortunate enough to be covered by two dental plans, you have what is called dual coverage. Dual coverage doesn't mean that your benefits are doubled. What it does mean is that you will likely enjoy lower out-of-pocket costs for your dental care. Dual coverage works the same way whether you are covered by two Delta Dental plans or by Delta and another carrier. Delta Dental simply works with the other dental carrier to coordinate your benefits. Who is the primary carrier? The first or primary carrier is the one that covers you as a primary enrollee (e.g., your employer rather than your spouse's employer). If you have two jobs, the plan that has covered you longer is considered primary. For your children's coverage, the primary carrier is generally determined by the birthday rule: coverage of the parent whose birthday (month and day, not year) comes first in the year is considered to be your children's primary coverage. The birthday rule may be superseded by a divorce agreement or other court ruling. How does dual coverage work? Suppose, for example, that both of your plans provide two cleanings a year, each with 80 percent coverage. The primary carrier pays 80 percent, and the secondary carrier usually covers up to the remaining 20 percent that you would have had to pay out-of-pocket if covered by only one plan. You would not, however, be entitled to four cleanings per year. Why not twice as many benefits? Why don't you receive double the benefits when you have two dental programs, especially if your dentist recommends that you receive more than two cleanings per year? Dual coverage limitations, like all other program limitations, are built into your group's contract and into the rates your group pays for your coverage. These contracts are set up to provide affordable dental care to a maximum number of people. Given the choice between doubling one individual's benefits or providing a greater scope of benefits to more people in the group, most group purchasers choose to spread their benefit dollars more evenly. What if you have non-duplication of benefits? For groups with a non-duplication of benefits rule in their plan, the secondary carrier pays only the difference between what the primary carrier actually paid and what the secondary carrier would have paid if it had been the primary carrier. For example, if the primary carrier paid 80 percent and the secondary carrier normally covers 80 percent as well, the secondary carrier would not make any additional payment. However, if the primary carrier had only paid 50 percent, the secondary carrier would pay up to the remaining 30 percent. Dual coverage saves money for you and your group by sharing the total cost of dental benefits between two carriers. Containing costs is an important part of Delta's plan to keep you smiling. Sample coordination of benefits: Procedure Primary carrier pays 80%, Cleaning $80 $64 $16 $0. . When it comes to children, it falls under the "Birthday Rule". The parent whose birthday comes first is primary. For example if mom is January 1,1952 and dad is February 2, 1951, then mom would be primary. The primary plan is responsible for paying covered expenses up to the limits of the policy. If any unpaid costs are left over, the secondary coverage kicks in. The birthday rule is often used to determine which plan is primary and which is secondary. Under this rule, the plan of the parent whose birthday occurs first in the calendar year is designated as primary. The date of birth is the determining factor-not the year-so it doesn't matter which spouse is older. Like most rules, the birthday rule has exceptions: If both parents share the same birthday, the parent who has been covered by his or her plan longest provides the primary coverage for the children; If one spouse is currently employed and has health insurance through a current employer, and the other spouse has coverage through a former employer (e.g., through COBRA), the plan belonging to the currently employed spouse would be primary; and In the event of divorce or separation, the plan of the parent with custody generally provides primary coverage. If the custodial parent remarries, the new spouse's coverage becomes secondary. And finally, the non-custodial parent's plan would provide a third layer of insurance protection. This order of payment can be altered by a court-issued divorce decree or by agreement, but the insurance companies must be notified. Keep in mind that these practices are common among insurance companies, but they are not governed by law. Practices may vary from one insurer to another. Read your policy carefully to make sure you understand how your insurance company handles dual coverage. If the policy language is unclear, ask for help from your employer's benefit specialist or your insurer's customer service department. . Here's the 43 page booklet from Medicare http://www.medicare.gov/Publications/Pubs/pdf/02179.pdf. . The answer simply put is no. the order of liability is determined by general rules (such as the birthday rule) or by a court order. In the case of dual coverage through a single individual (someone with two jobs) the effective date determines which is primary - I've never come across a situation where someone could choose themselves. . The question is not specific enough. Coverage for yourself or for your children? This can get really tricky and no you cannot designate coverage - it's dictated by the insurance coordination of benefits rule written in the employer's contract when they sign up for coverage. Here are a few scenarios: 1. If you are the insured and have coverage through 2 different employers rule is the employer that you have been with the longest will be primary. 2. If you have coverage through your work and your spouse's work then yours will be primary - ALWAYS...NO EXCEPTION. 3. If you have government coverage like Medicare or Medicaid and also have private insurance from work then again your work insurance will be primary and government insurance secondary. 4. If children have coverage through both parents and they are not divorced the birthday rule takes effect. Whoever birthday comes first that's primary. 5. If children have coverage through both divorced parents then primary is the parent with whom they reside. If they have 50/50 custody then the birthday rule applies again. These terms are usually dictated in the contract between the insured and the specific insurance company. Hope it helps. (MORE)
to my knowledge, most states only permit residents to buy medical supplements that pay expenses not covered by primary health plan, as opposed to two major medical plans. reasons have something to do with problem designating which is responsible for paying what expenses. supplements or extra PIP (pe…rsonal injury protection) coverage on your auto policy are excellent for paying expenses such as high deductibles or the like if you're injured in a car accident, or you need a resource for a high deductible of four figures. PIP covers your medical regardless of whose fault accident is, and deductible insurance reimburses you within a month of writing a four figure deductible if you have a policy. secondary or supp coverage isn't necessary if you keep a cash reserve handy you can access in the event of a major medical emergency, for persons under 65. people on medicare are smart to carry supplement (AARP or the like) because extra expenses amount quickly. I think the answer depends on how you are defining secondary medical coverage. I don't see any benefit to having two major medical plans. However, that can be significant benefit in putting a packaged solution of major medical and one of more supplemental plans for greater use of resources. Example: A $1500 family deductible plan for my family is $1061 from Blue Shield of California. I can also get a $4800 family deductible plan for only $574. Since I don't like the exposure of an additional $3300 of deductible I can add secondary supplemental coverage such as a $5000 accident plan for $30 a month and a critical illness plan for about $50. Collectively I have shielded myself from much of the added exposure by layering on other coverage to pay for the things that woul likely cause me to have to pay the high deductible. (MORE)
The Affordable Care Act, if it is upheld by the courts, makes certain changes in the ability for insurers to exclude applicants from coverage based upon certain preexisting conditions. Normally, there are preexisting condition exclusions in private health insurance policies. These exist so as to al…low insurers to maintain a balance between the cost (premiums) for insurance relative to the magnitude of the risk assumed. (MORE)
How do you get medical insurance when you have depression and take medication and Blue Cross denied coverage and don't qualify for low income coverage?
Answer . You can get coverage through the Benefits Companies also known as Discount Plans.. Research the companies and look for the highest discount, what all they give you as a member, and the amount of time the company has been doing business. The highest savings out there is 80% period.
What does primary and non contributing really mean in regards to general liability insurance coverage?
Answer . \nIt means that whoever states their insurance is Primary, it's really Primary regardless of who is at fault. For example, the subcontractors insurance is usually primary over the GCs insurance. This means that if the sub has a claim and in all reality it's the GC's fault, but the sub li…sted their insurance as primary, then the subs insurance is paying first no matter what.\n. \nPrimary means just that, the insurance listed is PRIMARY, regardless of fault.\n. \n. \nwww.mac2insure.com (MORE)
The parent who was born first in the year. In other words if the mom was born in June and the father was born in July, then the primary insurance would be covered by the mother. This also applies to both parents being born in the same month. Whoever was born first is the primary holder of the insura…nce. (MORE)
Can a husband drop his wife from medical coverage even if she cannot get insurance through her work?
Answer . If your question is on the legality of dropping the wife from insurance, the answer depends on the State and on the status (legally separated, etc.)of the marriage.. Answer . Yes he can, but only during his annual change piriods. It is his payroll deductions and he is the one to sa…y who is or is not covered on "HIS" policys. Sorry (MORE)
Answer . Not required, but recommended since you have a higher risk of being in an accident since you are less experienced...
If you were laid off and apply for insurance coverage on your wife's group policy do you have to answer a medical questionnaire?
\n. \n Answer \n. \nDid you have coverage before? If so, then you are probably guaranteed issue into your wife's group plan - as it would be a "special enrollment" \nIf there is a medical questionnaire - it's for determining premium, not if you will be covered
Answer . \nMost of them require a coordination of benefits form to be filled out before paying claims. Typically only one policy pays. You would have to talk with the companies in question to find out their rules. In the case of children it can be a challenge, the rule that my company went wi…th is the insurance of the parent that was born first was the primary provider. (MORE)
What are the rules about auto insurance coverage if the primary driver is not named on the insurance policy?
Answer . The Rules are that the primary and all other drivers be named on the policy, Otherwise one might think there was an attempt to conceal the true nauture of the risk or otherwise defraud the Insurance Company. Concealment and Fraud, could void all coverage on your policy.
the actual MEDICAL PAYMENTS coverage works like this (in MO, and most states that i am aware of)..........someone is hurt on your property thru NO negligence of your own.....(ie i just trip and fall for no reason, I'm a clutz-have even seen it pay for poison ivy contracted on a property).....medpa…y will pay for medical bills (up to the limit which is low, usually 2k-5k)......only..........no pain and suffering, loss of wage etc........must be incurred bills..........it will not cover the insured or any residents of the house hold............there are many exclusions here.........now your liability coverage (which is much higher, usually a min. of 100k)........covers pain and suffering and medical bills, loss of wage etc..........for injured persons when you ARE negligent in some manner, ie... your wife wasn't watching what she was doing and dropped a hot pan on my foot........your dog bit me.........your step crumbled when i stepped on it.......hope that helps (MORE)
Not answering an application for insurance has serious consequences. If you 'misrepresent' any information on the application and suffer a claim, then entire claim can be denied.
Do you really need ununderinsured motorist coverage if your collision coverage covers the car damage and separate medical insurance covers injury treatment?
Underinsured motorist coverage protects YOU against the other driver not having enough coverage to handle your losses. Say they are at fault and carry 15/30/10 (the minimum in most states, but even 25/50/20 if you want) - that means any one person they injure is covered for 15K max...to a total of 3…0K for all injured people - so if you had 3 people in the car the max payout would be 30K - with no one getting more than 15K. Your medical damages are 35K - actually a fairly small amount considering todays costs. He is underinsured...you only get 15...pay the other 20. Your passengers, each of whom had say 25K of medical...they each look to you for the rest too (which because of the 30K max...which you used 15K of, is actually another 35K!). As to your car....he's responsible for at fault damages to property...so if he only carries 10K property damage...and your car is worth 15...start reaching for the checkbook. And if he pushed you into someones else's car, or living room...welll.... The weird thing is without underinsured coverage...presuming your carrying something like 100/300 - your insuring the worthless slug for much more than he is providing for you. Even stranger...if he had no insurance....you would be covered up to your maximums anyway. It is a very inexpensive add on so i can't see why it would be a place to skimp....just increase your deductible to really save something. (MORE)
Answer . yes, but it isn't always done automatically. You need to make sure you also follow up.
Answer . In TX, you are only required to have liability by the state, but if you get the bike financed the lending institution will require full coverage so they dont get stuck w/ your loan should you screw up your bike. However, state laws can vary, so ck. w/ your agent to be absolutely sure.
Can you change your secondary insurance to primary insurance if your coverage is better with the secondary insurance?
In most cases no. You can not chage due to better coverage. 90% of insurance companies, if not more, have what is called a birthday rule. Meaning if you have dependant children on the policy the guardian who was born first (or who is older) is the primary carrier for the dependant children and the y…ounger of the two guardians is the secondary carrier. If you were to have coverage through yourself and a spouse you would be your own primary, as would your spouse be their own primary. If you are the carrier for both insurances then it would all depend on your plan provisions and restrictions, in which case you would have to question each insurance company as to how they would handle determining what insurance is primary and what insurance is secondary. (MORE)
Depends upon the policy. Some have provisions for domestic partners, same-sex partners, commonlaw marriages, etc. Contact your provider directly to inquire.
How do you determine which is the primary and secondary insurer if you and your spouse both have medical insurance coverage?
It goes off the month in which the parent was born! Who ever was born 1st is primary. It does not go off the age!
Yes you can. If you feel his coverage is adequate to meet his healthcare needs, then keeping him on your plan would be paying for insurance that you don't need.
Coverage A is the dwelling amount. As in, if it cost $250K to rebuild your house then that is what your coverage A should be.
It depends, if your employer has less than 20 employees...then yes. If not, then you have the option to use the employer plan, Medicare, or both.
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 husban…d'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. (MORE)
The full coverage of the old car isapproximately $60 to $100. It gonna be cheaper if you negated withthem. New car is approximately $150 to $200.
Can you have the same primary name on two health plans Not primary and secondary insurance coverage?
vehemately you can .but of your own disadvantage because you will be required to pay pramuim to different insurance company but will only be compaseted the actual amounth you need so doing that will be of no value
I write policies for BlueCross Blueshield of Florida and Multiple Sclerosis is one of the medical conditions that will render you ineligible for coverage. Check with specific companies in your state to be sure. Be up front with the agent to save yourself the time of going through the application pro…cess.. Also, do a search on "Guaranteed Issue" plans in your area. You should be able to get some form of coverage.. If you already have the insurance policy and are diagnosed with MS after the underwriting process, check with your agent to help you read the fine print of the policy as far as any exclusions that may be built into the policy. As long as you're diagnosed with the condition after the underwriting process is complete, you should be covered. If you are diagnosed with the condition during the underwritng process, you can be denied coverage. (MORE)
Primary insurance coverage is what is first used when a medicalservice is being rendered. This is what will be billed first.Secondary insurance is supposed to cover what the primary insurancedoes not.
Medical bills for yourself and anyone else in your car in case of an accident
This question is very tough to answer well. I know in PA medical from auto insurance is the first source used to cover a medical expense. If you have a decent health insurance plan this can provide coverage over top of the medical from your auto.. However,as the deductibles on health care are incre…asing and many policies have lifetime limits, I would suggest getting a fairly high limit if you are able to afford it, in this category.. Anyone who needs assistance with insurance in PA is welcome to contact me, I work for an independent agency in York PA www.ekmcconkey.com (MORE)
Twenty times my annual income. Depending on your specific situation, you may need a lot less, or more.
Answer I might need more details to answer this. Most policies will continue to pay hospital claims if you are inpatient prior to your policy cancelling. Other than that I would say yes unless your question is more about specific approvals. We can for example stop paying for chemotherapy if you e…xceed your approved # of visits and the doctor keeps "forgetting" to send us the documentation we need to approve more visits. (MORE)
The answer to that question depends on a few things. 1. Group insurance policies are always primary over personal or self bought policies...ie You work for ABC company. You have insurance thru them (group policy) and you also pay for an individual or personal policy. Your policy thru ABC would be pr…imary 2. Government insurance (except for medicare) is always 2nd...ie Tricare, medicaid, and etc. 3. An active policy is always primary over a retiree policy. For example John retired from ABC company and has insurance thru them. He currently works for DCE company and has a policy thru them. The DCE policy would be primary and the ABC policy 2ndary 4. If you are retired and have medicare. Then medicare is primary but if you are actively working your group insurance would be primary. 5. When it comes to children the order is 1. Parent who's birth month comes 1st if both parents are born in the same month it goes by the day (the year doesn't play a role in this) 2. If parents are divorce it goes by 1. court order if not applicable goes by who has custody is primary this includes step parents. The step parent who has custody of a child, their insurance is primary. There are a few other rules when it comes to who is primary...when in doubt contact your insurance company (MORE)
If Cigna had paid on charges which rightfully should have been paid by the auto insurance, yes. The subrogation would be performed by Cigna's overpayment recovery vendor, accent. This should not make a difference to the patient, as Cigna will cover once the auto insurance coverage is exhausted.
What if a stepparent has medical coverage for a child and then the biological father has coverage for the child which he has joint custody of Which is primary and secondary?
Generally, the father's, but you should work together for what's best for the child. Which policy is the better one for being primary? Besides, with two policies, any bills end up fully covered. See links below for each of you.
If a procedure is not considered "medically necessary" (i.e. is considered elective), most insurance companies will not pay for the procedure, or will provide only minimal coverage
The right amount would be Zero, It doesn't make much sense to pay extra for medical coverage on ahome insurance policy when that's already covered under yourmedical insurance policy. Ever heard of Double-coverge? It's illegal to get paid for the sameloss twice anyway. Adding Medical coverage on a… home insurance policy is generallywhat we refer to as "Beefing up" a policy. Thereis almost a zero chance that it would ever be used due to doublecoverage limitations, but it can entice some less savvy people topurchase the policy. (MORE)
There are many sites that can help you decide which coverage works best for you in your price range. You can enter in your information and the price you are willing to pay, what kind of coverage you are looking for and you will be directed to a list of providers. HumanaOne is a good company that wor…ks with people to fit their needs and budget. You can also provide your financial information to the clinic or hospital you go to and they can work having you pay on a sliding scale based on your income. (MORE)
If you have a full medical plan, ski insurance is not needed, as your medical plan already covers EVERYTHING, whether you're taking ski injuries into consideration or anything else.
1. Most states have a requirement that a registrant of an auto maintain "personal injury protection" (PIP) coverage (altho the name may be different). This is the essence of so-called no-fault auto insurance. Essentially, it pays a percentage of the insured's own medical bills and lost wages, up to …a maximum amount, arising from an auto collision. It pays those expenses irrespective of fault for the collision. 2. Most insurers also offer a Medical Payments coverage. This is often an optional coverage. It pays an additional amount toward medical expenses , and often coordinates with the PIP coverage. Therefore, if the PIP coverage pays 80% of the medical bills, up to the policy limits, the medical payments coverage will pay the remaining 20% up to its policy limits. 3. If medical expenses exceed #1 and #2, one's major medical insurance is triggered. The auto insurance is "primary" in the sense that its benefits have to be exhausted before major medical insurance is called upon to pay. This is because auto insurance is required by state "financial responsibility laws" and for the further reason that it and the major medical insurance contain "coordination of benefits" provisions making the auto insurance primary. 4. If medical expenses still exceed the total available auto insurance and major medical insurance (including, if there is no major medical insurance), the injured party/insured is personally responsible for unpaid amounts. In this situation, the health care provider frequently is willing to work out payment arrangements. Alternatively, the unpaid amounts may be discharged in bankruptcy, but this is a very drastic step and should be avoided if at all possible. (MORE)
Yes. A group policy is not much different from an individual policy when it comes to cancellations. If the group misses payments or no longer meets the underwriting guidelines the policy can be cancelled or non renewed per local regulations and contract terms.
When does the non-custodial parent's medical insurance coverage stop for a child of divorced parents?
It would depend on why it stopped. If the non-custodial parent lost his or her job and their medical insurance along with it, the courts may not expect the unemployed parent to maintain medical insurance if doing so would be financially impossible. However, child support would continue as all states… allow unemployment benefits to be garnished for that purpose. If the non-custodial parent is unemployed, it's doubtful the remaining unemployment benefits would be enough to purchase medical insurance for the child, but if the custodial parent wanted to push it, he or she could file an action against the non-custodial parent for enforcement, but you can't get blood from a turnip. All that may result is the non-custodial parent going to jail making it impossible for them to seek work and harder to find a job with an arrest record after they get out. It would be easier to see if the child qualified for Medicaid and used that until the custodial parent found another job and could put the child on the new insurance plan. If the insurance was dropped "just because", in that case, the custodial parent should file notification of violation or a motion for enforcement in the court with jurisdiction over the child. Answer It would depend on the laws in effect at the time (regarding to what age a child can be covered on a parents medical insurance), the separation agreement if any and any child support orders in effect. You should review all the court orders in your file and speak with an advocate at the court or an attorney if you still have questions. (MORE)
When is the non custodials responsibility for medical insurance coverage stop for a child of divorced parents?
Usually when the support obligation stops unless the custody or support order states something to the contrary.
Either go to the HR department where you work or contact your insurance company directly. The company will need this in writing. Make sure there is no lapse in coverage.
In Canada, medical insurance should be accepted at both a hospital and a medical clinic provided the patient has their insurance card.In the USA, patients will typically pay a flat rate co-pay for a medical clinic visit (as compared to a percentage of the bill at an E.R.)
No. The medical coverage and liability sections of a homeowners policy do not contain any deductibles. These sections do not cover the homeowner or any household residents.
No. Collision coverage pays for the physical damage to your own car, subject to any deductible. Medicals are paid by a separate coverage-sometimes called Personal Injury Protection, but it may be called by a different name depending upon the State involved. It is what is generically called No Fau…lt coverage. It pays a percentage of your medicals and lost wages if you are infured in an auto collision irrespective of fault. As such, it is a form of "first party" coverage that you maintain on yourself. (MORE)
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.
Directline, PC Insurance, Insure and Go, Protect your Bubble, Gadgets 2 Insure and SafeWare all offer reasonable insurance cover for Personal Computers and Laptops.