Insurance Questions and Answers

Need comfort near surge protecter warranty?

about a year ago i get the monster home theater surge protector/filter but never signed up for the warranty. recently i thought more or less signing up but can i still sign up for the warranty even after a year?


Answers: If it is still less than a year from when you bought it afterwards yes. If it has be longer i don't believe so. Warranties are typically for a year from the date of purchase so that is the decide factor.

Does a company enjoy to repay more for an individuals form ins. if they have a pre-existing condition?

For instance, if you had a stroke years ago and started a exotic job beside benefits, would that employer have to repay more for your coverage?


Answers: Yes, an insurance company can exclude claims for a limited amount of time due to a preexisitng condition. However, if you hold had continuous insurance near no break in coverage (or smaller amount than 60 days), then you cannot be excluded below employer's plans.

When you leave your current insurance, they will contribute you a form showing you had coverage. That will sustain you get contemporary insurance without preex.

This is one purpose why COBRA insurance is very imporatant when you tuning jobs.

BTW, masses larger companies are self insured and do not worry around preex. However, smaller companys that are not self insured and buy a fully insured product for their EEs will require pre-ex.
Depends on the size of the group. If your employer has more than 25 force, it's not going to affect it; the only rating factor will be your age.

Health insurance?

I am about to turn 18. I enjoy blue cross blue shield though my parents. Someone told me I had to register within school to hold my insurance. But someone else told me I am covered until I am 21 as long as I am not married and am my parents dependant. Which one is true? Need to know. I am turning 18 in a week and its to past due to register until Winter. I have vigour problems. Not good!


Answers: You stipulation to have your parents look up what an eligible dependent is beneath their coverage in their benefit booklet. If they no longer hold this, they can speak to someone in their HR department or contact BCBS customer service. Most BCBS group policies cover a dependent to age 19 downfall of year.

I've found some good information here too...

http://insurance.deal4-you.com

All the best to you.
Blue Cross of Arizona just this minute changed their guidelines regarding this business, and your Blue Cross may have done impossible to tell apart...it's worth looking into. In AZ., a dependent may stay on the parents plan up to the age of 30, and do not need to be a full-time student.
If not, you should still be capable of convert to an individual plan.
You will probably do better to contact Blue Cross Blue Shield and ask them. I think you are covered as long as you remain your parents dependant and are still within school. Will you be surrounded by high arts school still when you need the insurance? Are you planning to travel to college? It might be that you could be covered until you are 24 and not married and a dependant in arts school. Just find their toll free number and ask them specific questions...they will answer you honestly. Trust me they own to answer you honestly.
Neither is automatically true.

Generally, as long as you are a full time student - either lofty school or college - you can stay on your parent's insurance until you're somewhere between 21 and 26, it vary by plan and by state.

But you have to grasp the details from the number on the back of your card, to procure a precise answer.
It really depends. Call the member service # on your insurance card to find out for sure. Many insurance companies will cover you until the age of 19, and for longer if you remain a full-time student. However, the policy may state that coverage is to be terminated once you are no longer full-time.

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