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What is considered a preexisting condition?
A pre-existing condition is a medical condition that existed before you obtained health insurance. In most cases, there is a 9...
Popularity: 518 • Tools: Recategorize
What is no-fault insurance?
No Fault Insurance. In true No Fault form, It is insurance that covers stated risks regardless of fault, the term is often...
Popularity: 326 • Tools: Recategorize
Are life insurance benefits taxable in North Carolina.?
Here is the quick and easy to understand answer: Life insurance money that is paid to a beneficiary upon death is not taxable,...
Popularity: 310 • Tools: Recategorize
Can you designate the primary and secondary insurance coverage yourself?
Here are opinions and answers from WikiAnswers Contributors: Since it was court ordered for their mother to provide health...
Popularity: 287 • Tools: Recategorize
How can you get your insurance provider to sign up doctors as in-network?
I actually contract with Physicians for an insurance company and quite often I get requests to go recruit a particular doctor....
Popularity: 264 • Tools: Recategorize
Do any insurance companies cover plastic surgery?
Typically in order for an insurance company to cover a plastic surgery, the surgery needs to be deemed medically necessary....
Popularity: 262 • Tools: Recategorize
How do you determine if you have a 'preexisting condition'?
According to BCBS, if you are still under a doctor's care for a condition and have not been released, it counts as a pre-existing...
Popularity: 249 • Tools: Recategorize
What do you do if you didn't know a doctor was out-of-network?
Go to, don't call, go to the hospital administration office and demand to speak to the CEO. Tell the hospital CEO your problem....
Popularity: 241 • Tools: Recategorize
Can you get insurance for a 'significant other'?
Many large companies these days offer insurance for a "significant other" instead of a spouse. Speak to the insurance company...
Popularity: 239 • Tools: Recategorize
Can you pay now for coverage later?
Health Insurance is based on a person's health, medical history and age. None of this can be possible if you by it when you are...
Popularity: 237 • Tools: Recategorize
What is a variable copay?
According to one insurance company, the term "variable copay" has to do more with where services are rendered rather than by...
Popularity: 225 • Tools: Recategorize
What happens to your medical insurance if you lose your job?
If you are covered by your employer and you leave your job or lose your job, your employer must offer you COBRA, which is a...
Popularity: 223 • Tools: Recategorize
Can you get health insurance if you've been diagnosed with lupus?
If you are currently covered under a group health insurance plan through your employer you are eligible to get it through a new...
Popularity: 220 • Tools: Recategorize
Can you choose whether your ex or your new spouse is covered by your medical insurance?
Well, I will try to keep my personal comments to myself in regards to your future husband continuing to have his ex on his...
Popularity: 216 • Tools: Recategorize
Can you get medical insurance for your family that's separate from your own policy?
Yes you can and in many cases you should. You will very often find that individual coverage, if you can qualify for it, is...
Popularity: 215 • Tools: Recategorize
Do doctors in Pennsylvania have to preauthorize your insurance before any surgical procedures?
Different insurance companies have different precertification requirements. Some companies only require precert for inpatient...
Popularity: 211 • Tools: Recategorize
Can you be denied health insurance if you are diagnosed with herpes?
If you're in Washington State, if you're declined by the insurance company, you can enroll in the State's insurance pool...
Popularity: 210 • Tools: Recategorize
Will you be denied coverage for alcohol abuse?
I would call several companies at random, including the company you are applying at. I would pose as a potential future member...
Popularity: 208 • Tools: Recategorize
Is it possible to find out if a company's medical insurance plan covers a specific treatment before accepting a job offer?
Find out the insurance company the new job offers. Contact them ask for customer service and ask them that question I...
Popularity: 207 • Tools: Recategorize
When insurance pays three times the amount for pain and suffering is that in addition to medical expenses?
Here are opinions from WikiAnswers Contributors: Yes. It is a totally separate issue from medical bills. No, absolutely do not...
Popularity: 206 • Tools: Recategorize
How do you switch to your spouse's health insurance?
if you are recently married (within 31 days) your spouse needs to fill out an enrollment form. Your coverage will be retroactive...
Popularity: 205 • Tools: Recategorize
Can you switch to a spouse's insurance after losing your own?
This depends on the individual insurance. I would call your spouse's insurance. I wouldn't say anything about why you lost your...
Popularity: 204 • Tools: Recategorize
Is it legal for a doctor to charge one price if a patient pre-pays and another price if insurance is billed?
I would seek legal counsel on this from someone who is familar with medical claims. In the meantime, do you have anything in...
Popularity: 202 • Tools: Recategorize
Can employers offer health coverage for same-sex couples and not for 'significant others'?
Yes, an employer can offer coverage to same-sex domestic partners and/or deny coverage for opposite sex domestic partners. You...
Popularity: 199 • Tools: Recategorize
Where can you get medical insurance quotes?
U S Government guide to reliable Health information - healthfinder.gov Check with the Dept of Insurance in your state or the...
Popularity: 197 • Tools: Recategorize
Is a divorced man's child covered by the significant other's insurance plan?
As far as I know, in most states the significant other would have to legally adopt, or become the legal gardian of the child in...
Popularity: 197 • Tools: Recategorize
Is being pregnant considered a pre-existing condition when changing insurance?
No. According to the Department of Labor' HIPAA Act of 1996, "... HIPAA prohibits plans from applying a preexisting condition...
Popularity: 197 • Tools: Recategorize
Does having a pacemaker make you uninsurable for medical insurance?
Yes, in the state of Tennessee it does. I have been denied by all independent agencies, and by TennCare, too. They all say I am...
Popularity: 196 • Tools: Recategorize
What health insurance company will insure a person with a pacemaker?
Google a search for "guaranteed issue" plans and policies online. Depending on the state where you live, these limited benefit...
Popularity: 196 • Tools: Recategorize
If two parents carry insurance for a child whose is considered the primary?
It depends on how the Summary Plan Descriptions (SPDs) of the insurance plans are worded. Although there are several methods, in...
Popularity: 194 • Tools: Recategorize
If you change jobs will the new insurance company cover a dependent's cancer treatments assuming the new employer provides sufficient coverage?
Yes, as long as there is no lapse in coverage.
Popularity: 193 • Tools: Recategorize
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...
Popularity: 193 • Tools: Recategorize
Can an employer force an employee to take the health insurance they are offered?
no, no employer can force you to sign up for medical benefits. If you are covered by a spouse, for example, there may be no need...
Popularity: 190 • Tools: Recategorize
Is there any law in PA that says you must use your insurance instead of your spouse's as your primary?
Yes. Whose birthday comes first in the year is the primary insurance policy.
Popularity: 187 • Tools: Recategorize
Is it Medicare fraud for a company to bill commercial insurance companies a higher fee-for-service than they are billing Medicare for the same service?
Insurance companies negotiate rates for services at the best advantage to them. Companies with larger groups get the best rates...
Popularity: 187 • Tools: Recategorize
Is it legal to have your own health insurance through your employer as well as being on your spouse's employer's health insurance plan?
Yes, but check into them carefully first. Both me & my husband both have insurance coverage on us and our kids. I did not...
Popularity: 187 • Tools: Recategorize
If divorced parents both carry insurance and father's is primary can the mother file hers as primary?
Just file and when the question asks about other coverage - answer it honestly. I see so many questions on this site about...
Popularity: 185 • Tools: Recategorize
If you are a 39-year-old working woman who's pregnant what kind of insurance is recommended?
You may want to check on your search engine for health insurance for pregnant women. There is no individual or group insurance...
Popularity: 184 • Tools: Recategorize
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...
Popularity: 183 • Tools: Recategorize
What insurance company will provide medical coverage for a person with lupus?
blue cross blue sheild I have lupus and have been covered by Aetna and am currently on United Health Care. Most...
Popularity: 182 • Tools: Recategorize
How can you get needed surgery in North Dakota if you have no health insurance?
I don't know specifics about N Dakota, but look into state benefits. If this isn't an option, then talk to different doctors or...
Popularity: 180 • Tools: Recategorize
Can a non-custodial parent find out how much the custodial parent was reimbursed by secondary insurance carried by the custodial parent?
If you as a non-custodial parent are having to pay half of the medical expenses and you know he/she has secondary medical...
Popularity: 177 • Tools: Recategorize
Is workmens comp responsible for the 20 percent your insurance does not pay on doctors bills and prescriptions?
If you are talking about the med you get for workers comp pain they do pay the 100% (do not use your ins.)... (doctors visits as...
Popularity: 177 • Tools: Recategorize
Will any insurance cover a Type 2 diabetic who takes insulin?
Yes, try a employer group plan or Mr. Mip. Some carriers will offer individual coverage to an insulin dependent Type 2...
Popularity: 175 • Tools: Recategorize
What are the benefits of having primary and secondary medical coverage?
to my knowledge, most states only permit residents to buy medical supplements that pay expenses not covered by primary health...
Popularity: 173 • Tools: Recategorize
If within a few months of getting insurance you are diagnosed with hepatitis C and need a liver transplant can the insurance company cancel your policy?
No, and insurance company cannot cancel your policy or refuse to pay the claim, unless it can be proven that you were aware of...
Popularity: 172 • Tools: Recategorize
If one has found precancerous cells and has them removed is this a pre-existing condition if that person gets the precancerous cells again or even cancer when switching jobs?
In CA: If you're with an employer group - no problem - groups of 2 or more are guaranteed issue and the time you spent on one...
Popularity: 172 • Tools: Recategorize
Where do you find affordable health insurance for a single mother of three?
Government guide to reliable Health information http://www.healthfinder.gov HealthDecisions.org offers an easy and...
Popularity: 170 • Tools: Recategorize
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...
Popularity: 170 • Tools: Recategorize
Where can you find insurance companies who have offers for pregnancy 'pre-existing' plans around 2-3k?
www.steveshorr.com/maternity.htm
Popularity: 169 • Tools: Recategorize
With Primary and Secondary Insurance your primary denied your claim because it was over a year is your secondary obligated to pay?
Yes, subject to the limits in their policy. No. With most insurance policies, there is what is called a timely filing...
Popularity: 168 • Tools: Recategorize
Does an employer in NY have to contribute equally by class of employee to health insurance premium?
It appears the Federal Law would require them to - "Simlarly Situated Individuals" The group of covered employees, their...
Popularity: 166 • Tools: Recategorize
Can an employer force an employee to drop group health insurance coverage because the employee is eligible for coverage through his spouse's plan?
No. The employer cannot force you not to take the coverage. However, if you don't want you may have to sign a waiver.
Popularity: 166 • Tools: Recategorize
If a child's name is inadvertently left off of the enrollment form when enrolling for family coverage can the claims be denied for this child?
Yes, but if you work with an agent, he/she can usually take care of that for you.
Popularity: 165 • Tools: Recategorize
If you have an HMO Medicare Plan that you are not satisfied with can you go back to Medicare being the primary plan?
Yes. All you have to do is send in a cancellation letter or send it to your insurance agent and have them send to the HMO...
Popularity: 164 • Tools: Recategorize
Do you get dropped from your parents insurance the day you graduate from college or is there a grace period to allow you to get insurance on your own?
Usually when you turn 23, 24 or 25, depending on what the contract says. If you are on your parent's insurance and are...
Popularity: 161 • Tools: Recategorize
Will there be any lapse in coverage if your old employer and new employer use the same insurance company?
When did your old plan end? When does your new plan start? Do you have the SAME plan with the Insurance Company. That is, one...
Popularity: 160 • Tools: Recategorize
When does medical insurance stop for a child insured by the non-custodial parent's coverage if the child is 18 but a full time college student?
as long as your child continues to be a full time student, then they are covered until they graduate. That may not be the...
Popularity: 159 • Tools: Recategorize
Is it possible for a 24 year old woman who is 3 weeks pregnant to find medical insurance in Missouri?
Yes - check out the Guaranteed Issue Pool for Missouri. Click here to find an agent.
Popularity: 158 • Tools: Recategorize
If an Insurance Company pays for services rendered by Doctors Office yet does not post and cash check until after patient has moved on to a new plan is patient still responsible for original payment?
little unclear on who received funds they didn't post or cash, (doc's office has an ins. co. check?) but i believe the answer is...
Popularity: 157 • Tools: Recategorize
If you have medical insurance at work that pays 80 percent of medical bills can you get additional coverage for the other 20 percent?
Yes and no. There are supplemental insurance programs available - do an internet search for "supplemental insurance." Programs...
Popularity: 155 • Tools: Recategorize
Is a man required to continue to provide medical insurance to his wife after they have been separated for 2 years?
This is a legal question, not a medical question. Why don't you just file for divorce? It would be a function of spousal...
Popularity: 155 • Tools: Recategorize
If you do not get insurance through your new employer and your wife if pregnant where can you get insurance now and what should you look for when shopping around?
In CA, try the AIM Program or Mr. Mip.
Popularity: 152 • Tools: Recategorize
If you were fine when you applied for coverage then had some problems but no diagnoses can your insurance say you had a pre-existing condition?
They can try and say that, but as far as I know the burden of proof is on them. If you told the truth on the application - they...
Popularity: 151 • Tools: Recategorize
If you and a spouse have different health insurance but have never designated one as primary or secondary could this cause problems when you do designate primary or secondary?
If you have insurance through your employer, and you are the policy holder,(the insurance is in your name) this insurance will be...
Popularity: 142 • Tools: Recategorize
What is the average cost of individual employee benefits to a company?
I think 40-50% of the total income is a good barometer. Besides the viable "benefits" there are holidays, vacation pay, sick day...
Popularity: 142 • Tools: Recategorize
If already reviewed approved and receiving short term disability benefits how can long term disability be denied only because they consider the problem to be pre-existing?
If Long Term Disabilty is denying you because on the date of the claim you were in the pre-x period then it would be forever. ...
Popularity: 138 • Tools: Recategorize
If you are considering rhinoplasty and the doctor suggested septoplasty as well which insurance will most likely pay for will your insurance company cooperate?
Rhinoplasty may be performed for reasons which are purely cosmetic, purely reconstructive, or a combination thereof....
Popularity: 123 • Tools: Recategorize
Which health insurance companies will cover Hepatitis C?
Hepatitis C exclusions are rare. If you have coverage, then the company should pay. Was it a pre-x? Was it admitted on the...
Popularity: 109 • Tools: Recategorize
Can secondary insurance pay claims that are denied by Medicare?
That would be covered under the terms of your policy. In general that is what supplemental, (secondary) insurance is primarily...
Popularity: 97 • Tools: Recategorize
If you incur medical expenses for cancer and have private medical insurance that covers cancer is the insurance payout considered taxable income?
No. You have already paid taxes on the money that you used to pay the insurance premiums. I am an insurance agent that...
Popularity: 96 • Tools: Recategorize
Do you have to see the doctor chosen by your insurance company?
Concerning an injury claim, yes. Unless you are wiiling to risk an lengthy and expensive court battle. Although an attorney...
Popularity: 94 • Tools: Recategorize
Will pregnancy be a pre-existing condition even if it is not officially documented prior to obtaining insurance?
Official documentation is not relevant. Check out steveshorr.com
Popularity: 92 • Tools: Recategorize
How long does it take to become eligible for health benefits in Canada if you are an American?
Need more info first,,,what province are you in???I am not sure but I think as long as you have a Ontario address you are...
Popularity: 91 • Tools: Recategorize
How can you find a website listing only co-op or non-profit health insurance companies and insurance covering alternative medicine like acupuncture?
Here is an excellent site with some wonderful options 4 U. http://www.freewebs.com/health-insurance-leads/
Popularity: 89 • Tools: Recategorize
Can you carry medical insurance on a 22-year-old grandchild who is going to college?
You need to find out how the insurance company defines dependent. Most companies will say that dependents are your...
Popularity: 87 • Tools: Recategorize
Is it possible to have insurance coverage by more than one insurance carriers?
Yes, you can have insurance coverage from multiple carriers.
Popularity: 87 • Tools: Recategorize
What does medical service code 99227 CPT stand for?
AS far as I could tell from the CPT code book that is not a valid code
Popularity: 86 • Tools: Recategorize
Is it possible to check into a company's insurance plan to see if a particular medical treatment is covered before accepting a job?
It is possible; however, from a Human Resource Manager's standpoint, I would not recommend it. Discussing medical treatments...
Popularity: 85 • Tools: Recategorize
If you've been diagnosed with Lupus how can you get health insurance coverage in New York?
Try contacting a full time professional health Insurance Agent and a member of the National Association Click here to find one
Popularity: 82 • Tools: Recategorize
Do doctors determine which insurance they will accept or is that determined by a managing network?
Both. The primary decision maker in this process is the doctor. The Managing Networks have two objectives in this...
Popularity: 82 • Tools: Recategorize
Where can you purchase supplemental insurance to assist your current plan?
AFLAC, Conseco, and Allstate provide supplemental medical insurance. There may be more. I do know that AFLAC and Allstate make...
Popularity: 82 • Tools: Recategorize
How would someone determine if a breast reduction is considered 'medically necessary'?
They would start with the defintion Medically Necessary Services or supplies provided by a licensed health facility or...
Popularity: 81 • Tools: Recategorize
Are there any insurance plans that will accept a new holder if already pregnant to recieve maternity benefits?
Yes. There are certain instances where a Employer Group plan would have to take you.... Individually in CA you could get MR....
Popularity: 81 • Tools: Recategorize
Will medical insurance cover treatment for teeth that are knocked out in an accident if you do not have dental insurance?
It probably depends upon the medical insurance company you are with and what coverage you have with them. I have never...
Popularity: 80 • Tools: Recategorize
What is the definition of Types of Services and how important is it in an HCFA form?
I didn't find the exact definition but this site gives you a pretty good...
Popularity: 80 • Tools: Recategorize
How can you get affordable medical insurance that covers alcohol abuse help groups?
Try www.SteveShorr.com find a plan you like and then we'll check on the actual fine print. How long have you been sober? ...
Popularity: 79 • Tools: Recategorize
Is a new company required to cover your medical dental and vision insurance if you have cancer and you were covered with your old company?
Yes, if you're talking about Employer Group Insurance.
Popularity: 79 • Tools: Recategorize
If you hurt yourself inside of your car but the car is in your driveway and not even running do medical claims go through car or health insurance?
I would say health insurance. And before if not, then maybe home owners or renters insurance. Car insurance would be the least...
Popularity: 78 • Tools: Recategorize
Can an employer in OH legally deny coverage for a spouse if the spouse's employer offers health insurance?
Yes For more details visit www.SteveShorr.com/participation.htm
Popularity: 78 • Tools: Recategorize
Your wife's insurance dropped you because your employer offered insurance then you became ill and found out you were not covered who's responsible for the bill?
Why didn't you take coverage from YOUR employer? Did you sign a waiver at your wife's job? Why weren't you covered at your...
Popularity: 78 • Tools: Recategorize
Who is responsible for an ex using the medical coverage of the other spouse after the divorce?
Once the divorce is final - the non-working spouse is no longer eligible for coverage. Claims would be denied. The ex would be...
Popularity: 78 • Tools: Recategorize
If you quit your job can you enroll in your spouse's HMO at any time during the year?
Yes The opportunity to enroll in a group health plan when certain work or life events occur, regardless of the plan’s...
Popularity: 78 • Tools: Recategorize
Will secondary insurance pay the co-insurance amount of primary insurance if you have met the deductible in secondary insurance?
You're going to have to look at your policy or brochure to see what the provisions are. For more details see...
Popularity: 77 • Tools: Recategorize
Can your employer cancel your medical coverage before you have received any info about cobra coverage?
Legally? no, your employer has 60 days to mail you information on COBRA policies they offer. Your policy from your employment...
Popularity: 77 • Tools: Recategorize
Is there any insurance that a 33 year old with asthma can get without having to wait for 12 months to be covered?
Yes, there are companies out there who will cover you. Check with an insurance agent or broker to see if any plans in your state...
Popularity: 75 • Tools: Recategorize
Can a person have both Part A and Part B coverages from Medicare if they meet eligibility requirements?
Yes. Part A is for Hospital, Part B for Doctors. To get Medigap Coverage you must have both.
Popularity: 75 • Tools: Recategorize
Can an employer change insurance companies in the middle of the year and give the employees less than 2 weeks notice?
Employers usually change their insurance on their renewal date which is anytime of the year. Yours may just have happened to be...
Popularity: 73 • Tools: Recategorize
How do you know if your insurance will cover the cost of cosmetic surgery?
Call them and ask what their coverage is, how they cover, what they cover, etc. Usually there is an 800 number or something that...
Popularity: 73 • Tools: Recategorize
How does it work to choose between insurance offered at new job and your spouses employment?
You would have to sign a waiver on your insurance stating that you have prior coverage. Your application that your employer gives...
Popularity: 72 • Tools: Recategorize
