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?
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.
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Can an employer require you to show confirmation of medical coverage before you can drop your existing insurance?
Yes,The way this was explained to me by my companies H.R. Dept. was the fear the company has of being sued. Say you get a nasty divorce, separation or some thing along them lines and out of spite your husband or wife drops the family plan, then you or your child get injured and goes to the hospital …just to find out that you are no longer covered. Let's face it, if you can sue because you eat fast food and it made you fat or for spilling hot coffee in your lap this is not that far of a stretch. (MORE)
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 (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)
If medical insurance will not cover injuries from an auto accident why do they ask if you have it and then limit your coverage?
Medical insurance should cover any injuries substained no matter how they were caused. Health insurance is only responsible (in most cases) for what your car insurance and the third party involved's insurance does not pay. Legally, car insurance is primary over health insurance.
When a noncustodial parent is ordered to pay unreimbursed medical expenses and both parents have insurance coverage for the child how can you prove the custodial parent has coverage when she denies it?
Answer . \nThe attorney representing the non-custodial parent can serve the custodial parent with a interogatory summons requesting proof of insurance or the lack thereof. If the parent wishing such information does not have legal representation, he or she may wish to contact the clerk of the cir…cuit court in the county where the action is to take place for information. Please be advised court clerks cannot give legal advice nor comment on individual cases, they can only impart general information concerning court procedures. (MORE)
Who pays the medical bill if you are involved in an accident where the at fault party is uninsured and you don't have uninsured motorist coverage but you do have medical insurance?
This is a great question. My husband was hit by a car while on his motorcycle last June. He DID NOT have uninsured motorist on his bike and the woman had no insurance at all, so unfortunately we could not go after her for any money. He was in the hospital for one month, 8 surgeries and is still unab…le to walk like he used to and may never be able to. He lives in constant pain and because we did not have uninsured motorist coverage on the bike, we are at a loss. However, I am attempting to use my auto insurance to try to recoup some money. My husband's health insur. paid the hospital bill of over $300.000.00, but now has a lien on my home for the remaining balance of $165,000.00. My attorney is in negotiations to get that waived. We did recoup $25,000.00 from the owner of the car she was driving's insurance, but Blue Cross is taking that, we do not get a penney. My attorney never advised me to use my medical coverage of my insurance, so I don't know if that could help or not. Maybe I'll try that route too!!. Hope I've been of some help.. Check your auto insurance policy to see if you have medical payments that will pay your medical expense up to $ amount. If you do, then your insurance company will pay up to the $ amount. Or, if you do not have auto medical insurance, have your regular medical insurance pay.. Answer . The person at fault needs to pay your bill. You need to take him to court and have his wages garnished for your bills. If that is not a possibility for you, then your medical insurance should cover it. Answer Also, check with your insurance agent regarding the extra medical coverage you may have purchased along with your auto insurance policy. Most have some. (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 . It depends on the terms of the insurance. Read the coverage document to determine if it specifically covers the procedure in question. ANSWER . If it is deemed medically necessary & your insurance co turns you down you have every right to appeal their decision! Answer If its an exclusio…n of the policy then it doesn't matter if its medically necessary or not. (MORE)
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)
Can someone in poor health and has medical coverage qualify for life insurance to cover funeral expenses?
Life insurance AND life insurance to cover funeral expenses are 2 different entities. A person can be insured and the survivor can spend the money in any way he or she desires. IT HAS BEEN DONE before, leaving payments on all responsibilities to the family. When you say LIFE INSURANCE TO COVER FUNER…AL EXPENSES, you are unknowingly referring to a burial insurance policy. It is not life insurance; it is a (let me be pointed here; no dog and pony show, I'm not an agent) purchase of a burial plot and the residuals involved. My friend told me (he sells this product) that he advises his client to call or visit the local funeral home and select a program. When that is known, payments are made into that purchase. Upon death, everything is provided. Keep proof of payment. I like credit unions because within 5 minutes I can find out who acknowledged the money order, what date, and what time. Thank you Tiffi, in Texas. Short answer - visit your local funeral home for more information. And write your state insurance commissioner for more information. While the below answer is correct in that most companies will not offer coverage, it is incorrect in that they do not try and find a way not to pay claims. There are companies that will issue policies even to those that are terminal. Obviously the cost will reflect this but sometimes the benefit far outweighs the cost. If they issue a policy they will pay a claim especially if it was a risk policy to begin with. As mentioned below, it may be a graded benefit or a 2-3 year period before the benefit would be paid. In any event, if the insured were to die before that period, the premiums are returned with interest of usually 5-6% Answer Most life insurance companies won't cover you if you have a serious illness, and if they do, they'll often find a way out of paying you when they show you the fine print. Buying life insurance at this point is probably a waste of money. If you just want enough to cover a funeral, you might be able to get a little from Social Security. Check with them. You should be able to get some life insurance, but given your husband's health, the cost is going to be exorbitant, and probably cost as much as the benefit. SSA pays a $220 death benefit, not enough for a funeral. Answer "Poor Health" is a relative term. There certainly are some low dollar benefit plans that will cover almost anybody with a policy up to $50,000 benefit amount. The catch is that they do not pay benefits for the first 2 years. Consequently if he is in poor health but not terminal, this could be an option. I was able to get such a policy for a person with AIDS. His prognosis was he might live another 10 years. In the event he does die within the first 24 months the benefit will be limited to the premiums paid plus a nominal interest rate. ANSWER Some funeral expense insurance policies may provide limited benefits for the first 1-2 years. If you do apply for your husband, make sure to answer all questions truthfully, as their is usually a two year contest ability period from the time you buy the policy in which the insurance company may void coverage is there have been any misrepresentations on the application. Make sure to choose a reputable company that has been around for awhile, you can trust. Also, make sure you can afford the premiums and ask about anything you don;t understand regarding the policy. I hope that helps. Although it may be difficult to find affordable coverage, it may prove well worth your time. I wish your husband the best. (MORE)
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)
\n. \n Answer \n. \nYes on Individual plans. Employer Groups have guarantees If you're denied as an Individual there may be a State Risk Pool for you http://www.nahu.org/legislative/HRPs/index.cfm
Answer . yes, but it isn't always done automatically. You need to make sure you also follow up.
The insurance companies have certain rules and restrictions. Theyhave the right to refuse policies and coverage to people on certainmedication including sleeping pills.
14 states mandate coverage for employers with more than 50 employees: AR, CA, CT, HI, IL, MD, MT, NJ, NY, OH, RI, TX, WV. If you live in one of these states, and work for an employer with more than 50 employees you may be covered. If not there are other options. You can pay using pre-tax dollars …via your FSA at work. You can apply for supplemental insurance to cover your maternity leave, and any complications. (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!
Normally you will only have coverage in an emergency situation, and then it is on a reimbursement basis. You would pay for the emergency service and file for reimbursement. Call your member services phone number on your BlueCross BlueShield card for details.
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.
Yes, you can drop your coverage whenever you have a qualifying lifeevent. You will lose any money in your Section 125 that you do notuse before the end of the qualifying time period.Ã
In Canada they have medical coverage by the government how much do they have to pay for their coverage?
It varies by every province, as each province administers their own health care coverage. Typically, the cost for basic health coverage is either free or very little. The "very little" could be an amount payable monthly, quarterly or even deducted from your pay from your employer. Costs for prescri…ptions vary as well, province to province and could depend on your earned income as to how much you pay. (MORE)
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)
What is the benefit of having uninsured motorist coverage and medical payments on your auto insurance policy?
The benefit of having uninsured/underinsured motorist coverage is that almost 20% of us drive around with no insurance. There's also a good percentage of high risk drivers with minimum coverage running around. That's quite a pool of drivers we're up against every day. You want to be able to cover yo…ur losses if you are involved in an accident with someone like that.. As far as having medical payments--this protects you and whoever you have in your car for medical coverage. If you don't have health coverage, it's a biggie. Medical coverage also protects you if you are walking and get hit by a car. (MORE)
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)
Medical bills for yourself and anyone else in your car in case of an accident
Yes - Aetna just did it to us because our daughter has asthma. Iwas so shocked. They stated the reason that her combined conditionsof asthma and eczema (yes mild eczema - at least for her) "exceedthe allowable limit provided by our underwriting guidelines" As of January 1st, 2014, this is no longer… permissible. No existingcondition can be a reason for declining coverage. This is one ofthe changes that the PPACA (ObamaCare) made. (MORE)
In certain situations, yes. Medical coverage is not a guarantee, and insurers can eliminate applicants due to pre-existing conditions.
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)
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)
If an employer pays the premium on medical insurance and forces an employee to take that coverage is there anything the employee can do if they are covered under another plan?
Contact your human resource or personnel department people. If you have to self-pay for your health insurance coverage at your workplace you may be able to select not paying for it and decline the coverage. It depends on the insurance laws in your state and what is the policy at your workplace. If y…our employer pays for the insurance for you and you don't have to pay anything then why turn it down? Medical care is very expensive. And if you lose your job you may be able to continue that coverage until you have coverage from a new job. (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.
I have several companies that don't ask health questions or care what your past is
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
First dollar coverage in health insurance means that your insurance covers health care expenses without copayments or deductibles having to be paid first.
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, Blue Cross Blue Shield offers insurance in all 50 United States.It also offers coverage in the District of Colombia and Puerto Rico.
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.
They absolutely will deny you for it. Was my only "yes" checked box. I am a perfectly healthy 30 year old with no health problems or prescriptions whatsoever. I use MMJ for mild insomnia & physical relaxation after exercise- was my only "yes" box and resulted in automatic denial. MMJ reduces people'…s other health care expenses but insurance companies like Anthem still treat you like a crack addict. (MORE)
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.
Medical coverage in Texas can be obtained from several sources that include: Allstate Insurance, American Republic Insurance, American National Life Insurance of Texas and Assurity Life Insurance. These are only a few available insurance sources.
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.