Health insurance "pre-existing illness" explanation?
I do not completely understand vigour insurance as I'm still covered under my mother's.Answers: When you devolution insurances make sure you procure a certificate from your antediluvian insurance. I can not reemember the name of the actual pass but its basically proof of prior coverage.
A comparison to whats already out near is good too..
http://www.surveyland.org/jump.php?link=...
Hope that help.
Good question, since lots of individuals get this confused.
The actual defination for "Pre-Ex" refers simply to specific medical treatment you may have received, be recommended for you, or any condition that was diagnosed inwardly a certain extent prior to being covered lower than your new medical plan. Normally, the maximum "pre-ex" term is 6 months and sometimes 12 months. An insurer can then exclude paying for any of those pre-existing conditions for a time of, again, 6 or 12 additional months.
If you are covered lower than you Mom's plan now, you are allowed to switch to a alien plan WITHOUT pre-ex for up to 63 days after the day that your weak plan terminates. Also, HMO plans (rather than PPO plans) never include a pre-ex clause.
Remember, if you are buying an individual medical plan, or if you buy a plan after 63 days, a insurer can other ask medical questions. Medical question may ask about pre-existing medical conditions, but contained by a strict sense, these are NOT "Pre-Ex" as defined here.
"Wiseghy" gave a clothed definition, but I do have one correction: most condition policies ALSO include as a pre-existing condition any condition that produces symptoms that would have cause a prudent layperson to seek medical trouble. NO DIAGNOSIS OR TREATMENT ARE NEEDED to establish that a condition is pre-existing.
State laws alter regarding pre-existing conditions and how long they may be excluded. While Federal tenet defines such a condition, states are free to adopt standards that donate consumers more rights than the Feds do. I suggest you contact your state's insurance commissioner's office so you can receive direction that's taylored to your state's law and your situation.
Insurance Question?
Okay I want to drive and visit my friend who lives a few hours away. I own a license, but no insurance because I don't have a car(my mom is letting my use hers for the day). Do I hold to get insurance for that? Can they simply add me on her policy for a light of day? Do I have to money insurance for one day?What do I do?
Answers: If you live contained by the same household as your mom, you inevitability to be added as a "covered driver" on her policy. If you DON'T live with her and the vehicle ISN'T furnished for your day by day available use, you should be covered without have to pay an other premium.
unless her policy prohibits it, your mother's policy covers people who borrow her saloon for short periods.
same is so within all 50 states, afaik.
this is America, right?
She will own to add you on to her policy as a covered driver. SHE will hold to pay the spare premium. She won't be able to delete you, in need signing a complete operator exclusion form - companies don't donate and drop household members only just for the day.
If she delete you, she likely won't be capable of add you pay for on, for YEARS.
Health contemplation... Im a full time student and i havent submitted my papers for my healthcare below my moms heatlth
under her vigour benefits. Her rep said that as soon as i fax the papers im in her strength care.. THE PROBLEM is, i newly messed up my ankle and i have to walk to the hospital... Can i get the robustness care approaching 3 days later and they will money for it. or am i screwed with the billAnswers: You obligation to have your Mom give the name her insurance rep ASAP to fully answer your questions. You obligation to get the medical attention that you want irregardless of who winds up responsible for the bill. You cannot cut your ankle and the papers you were supposed to fax and expect the problem to resolve itself. Be honest and truthful within all your business contact, call the agent.
Likely you're screwed near the bill - if you don't have coverage very soon, and you haven't been added to her policy even so, this isn't going to be covered.
But get the papers surrounded by tomorrow anyway, in satchel you screw up the OTHER ankle. Don't want to receive stuck with TWO sets of bills!