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.
25 people found this useful
\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. Eve…ryone should shop around for what's best for them. But be careful about not paying your premium because you believe you've got 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.
'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 therefore 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.
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.
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.
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.…
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 carr…iers. 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.
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 rip-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!
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.
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 doct…ors visits, prescription coverage, emergency room, etc.
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.
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 companies that offer affordable health insurance coverage. Some of these companies are: Aetna, Blue Cross Blue Shield, Cigna, and Health Net.
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,
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.