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If someone has been denied on an individual plan can he or she still get coverage in a group plan?
Wiki User
∙ 17y ago
State laws may vary but generally yes you can.
Wiki User
∙ 17y ago
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What are some types of insurance coverage?
Some main types of health insurance coverage are individual, group, and business.If you are getting insurance on just you that would be individual. They also have family.
Can your wife and you get separate health coverage or do you have to get the couple rate?
You should be able to get Individual Plan for each of you. Group Insurance - No.
What are the cost advantages of choosing group insurance over individual insurance?
The cost advantages of choosing group insurance over individual insurance include discounted prices, group benefits, and coverage for families/dependents. The other benefit is that you can pay pretax.
What company offers individual health coverage?
Almost all companies that offer family health coverage also offer individual health care! The top 3 companies in the nation for health care are Unitedhealth Group, Wellpoint Inc. Group, and Kaiser Foundation Group. You can contact one of these in your area, or another health care company, and get a free quote for your plan.
If I have primary insurance through my work and had secondary through my husband's work but he was laid off can I still use Cobra as a secondary insurance or is Cobra only if you have no insurance?
That would depend on if your spouse's coverage is group or individual coverage. If it is group coverage offered by your spouse's employer then NO. Cobra regulations specifically say that you are not eligible if you have other employer sponsored group coverage with one exception. That is if the other coverage includes any pre-exisitng conditions clause that would deny you coverage for that illness/injury. If you have no pre-existing conditions or the pre-ex caluse does not relate to you (ie. pregnancy is a pre-ex but you are not pregnant) then you are not eligible. If the spouse's coverage is individual coverage and not group you are still eligible for Cobra.
What is the policy for changings jobs and having a pre existing condition?
This depends on whether or not your new employer will be providing you with coverage. If the new employer will provide you with group coverage, then you will have an exclusion for 1 full year from the effective date of the new coverage. During this first year, you will have limited coverage for the pre-existing condition. After 1 year, the pre-existing condition will be covered at 100%.If your new employer is not providing you with a group plan than you will need to obtain individual coverage. Individual Disability coverage is fully underwritten and will likely exclude any pre-existing conditions. If the condition is severe enough, you may even be declined coverage.
How do you maintain health insurance coverage for your wife and son after you turn 65 and are eligible for Medicare?
Where you covered under an Employer Group or Individual Plan? If Employer Group - they would be eligible for COBRA - If Individual - then just tell the Insurance Company to take you off.
Can someone explain to you what homestead means?
Homestead is a group of buildings or a group of homes situated on a plot of land. A homestead may also be an individual home and it's property where someone lives. Homestead is where an individual/individuals or a community reside.
How is group health insurance different from individual or family health insurance?
Group health insurance is required to accept all employees regardless of their health while individual insurance can deny coverage to unhealthy people. They also calculate renewal rates differently.
Can your boyfriend and you get on the same medical insurance?
For individual coverage, probably not. Group plans yes, if you qualify under the companies rules as a domestic partner, if they allow it.
What is a world view?
It is the point of view of an individual or group. (how someone sees the world)
Who pays for group insurance?
"Group insurance" is to be distinguished from individual insurance. In that sense, a group policy provides coverage for multiple people (usually a fairly large group) who have an element of commonality defined by the risk-bearing entity (such as an insurer). The commonality might be the same employer, a union, a profession, or any one of a multitude of other factors that bind the participants together. The sponsor of the group may pay all or some of the premium for the coverage. However, it is more likely that each participant in the group plan will pay a premium. Group coverage is usually less costly than individual insurance because the insurer is able to enroll many persons without the need for advertising, individual commissions and related back-office expenses, and the other elements of overhead that it would otherwise incur.
