Do Car insurance co. notify medical clinics when the medical limit of coverage has been met?
If you are carrying medical insurance is it necessary or wise to also get medical payments coverage as part of your auto insurance?
It is not required. Please keep in mind medical insurance on an auto policy only pays in the excess of what your work med doesnt pay. . It is a good idea to have the medical payments on your policy because it will also cover any passengers that are in your vehicle if they don't have health insuranc…e. It will also pay bills right away. You never know if you are going to lose your job or have something else happen. It is good to cover all your basis. (MORE)
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.
No, is there something else going on, like not paying your premiums? Are they cancelling EVERYONE in your state? Did your employer stop paying the premiums? For more info see www.SteveShorr.com Did they drop your coverage or were only 30 treatments approved and the doctor "forgot" to ask for …additional treatments? Additional treatments can be retro-approved so this shouldn't be a big problem. Update: (1/18/2010 - Nameless Cynic) Excuse me? Yes, they can and will drop you on any basis that they can dream up. The process is called "recission," and Blue Cross admitted in front of Congress just six months ago that, not only does this occur, but they have no plans of stopping it on their own. http://articles.latimes.com/2009/jun/17/business/fi-rescind17 (MORE)
Answer . \nyes. but they change up sometimes from year to year. call a certified accountant and ask that one question. free of charge.
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.
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)
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)
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. \nI guess your HR department. I'm not quite sure of the question that your asking. Would COBRA be applicable?
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)
If you have a suspended license and full coverage insurance and get involved in a single car accident due to medical reasons will the insurance company pay?
Answer . Maybe, it will depended on the policy wording and exclusions, you need to turn the claim in for a decision.
Answer . yes, but it isn't always done automatically. You need to make sure you also follow up.
This is a common plight amongst many citizens in the US. There are various agencies (local and state) that provide limited medical benefits to those who are truly 'needy' or 'homeless'. The other things to do is contact the place where the medical bills have racked up and talk to them about how y…ou might make some form of monthly payments. Might mean giving up things at home like the internet, cable tv, mobile phones and the like, but when bills start piling up, matters must be taken to pay them before we can have the other 'luxuries' of life. One needs to understand that the company the provided the medical items is also in business, and as such also has its own bills to pay, including the salaries of the medical professionals who provided the service. In addition, the medical professionals who provide the medical services have spent many long, hard, expensive years in school in order to be able to provide that medical care. Doctors spend at least 10 - 12 years in school and training, and nurses, med techs, physical therapists, etc., spend as much as 2 - 6 years in school and training to be able to provide their services. (MORE)
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!
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.
Your choice, depending on which coverage is better. Try the auto insurance first. but remember, their job is to minimize costs, and sometimes you have to go where they send you. they may have limits depending on the policy and state laws. your medical coverage is designed to cut costs by keeping you… alive and healthy to keep paying them. they don't make money off dead people or people too sick to work and keep coverage. they will usually end up paying for long term issues, especially if they don't pop up right away or if a pre existing conditioned is worsed. how much wor$e is the back pain, really? you should go through the auto insurance if its drastic, expensive, extensive care. if its minor aches and pain just pay your 10$ or $20 copay and go to your primary care physician (your doctor). if you get hurt in an accident, go to the closest hospital right away, don't delay or the ins co may try to loophole out of paying you, thinking scam alert. i once tapped a couple in their 50's when i was 16 and only driving for a few months. he slammed on his breaks after realizing he was about to miss his turn. at 20 miles in a 25 (it was 200 yards after a turn) i hit a pile of wet leaves next to a stone wall and skidded into them. i was sited no fault as i could not get off the road or go into opposing traffic (why they stopped). they were complaining about how hard i hit them and she was saying he already had a bad back and now this. the office on the scene asked them did they want him to call them an ambulance to take them to a hospital. She said right away no, they were going to their own doctor. after they left the cop told me they would be trouble. but they were denied due to lack of physical proof and officer testimony. so the moral is because some scam, they reason all are potential scammers until proven actually hurt. (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)
There is no statute of limitations on a debt, anywhere. If you owe a debt, you're responsible for that debt until it's repaid.
Medical bills for yourself and anyone else in your car in case of an accident
The statute of limitations for filing a claim in most states is 4 years. It is best to file claims expeditiously after incurring medical bills so that all of the information more readily available. Also, their is sometimes disagreement (based on districts) on what event triggers the commencement of …the time limit. (MORE)
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 you don't have a pcp or insurance can a walk in clinic prescribe migraine medications for recurring migraines?
Most "walk-in clinics" are privately owned/operated and may refuse service to those without insurance or the ability to pay for the visit. Scrupulous providers will likely give a small, one-time prescription, depending on the type of medication requested. In turn they will provide the patient with …a physician to follow-up with. If a patient is seeking highly controlled substances they will likely be refused. (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)
That will depend on your agreement with the insurance provider. Your policy will specify the times in which the claims must be made.
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.
That will depend a great deal on the exact charges being brought. If the punishment could be 8 or more years in prison, the Statute of Limitations is 6 years. For others it would be 3 years. For a misdemeanor, it will be 1 year.
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.
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)