Insurance Questions and Answers

Can they ever bump up the premium on my medigap policy if I originally capture it during start on enrollment?

Also, isn't open enrollment every year during a particular time? Or is it only for a undisputed period during you 65th year? (I am 66).


Answers: Yes, they can lift it every year.

And open enrollment to modification plans, is every year.
Yes, the premium can be raised.

Depending upon the company and the plan you hold, a Medicare Supplement, or medigap policy, can possibly go up every year because you are a year elder or can go up when you achieve the next age bracket. It can also walk up because of inflation. There is a guaranteed issue period for signing up, but save for that there is no unfurl enrollment period for supplements. You can switch at any time but you may be subject to underwrite, which can determine the premium or they can reject you.

Medicare Advantage plans, on the other hand, hold an annual enrollment period from November 15 to December 31 every year, and an unambiguous enrollment period from January 1 to March 31. During annual enrollment you can spawn all the change you want, during open enrollment near are restrictions to the changes. The Medicare Advantage plans do not increase contained by premium as you get elder but the premium can change every year (some, believe it or not, certainly lowered the premium this year). Medicare Advantage plans are not medigap policies but some people achieve them confused.

This is just the highlights, contact your agent for further explanation.

Getting robustness insurance over the age of 25?

How does the law work and what is it call for somebody who is over the age of 25 but still gets their condition insurance paid through their parents until their parents die or stop working? Who exactly qualify?


Answers: Most employer's group health policies will NOT cover a child over 25, unless they are incapacitated - read, incompetant, and powerless of living on their own (example - mentally retarded adult children).

If you are a disabled child, though, and enjoy been disabled since past you were 18, you might be eligible for SSDI and medicare underneath your parents' social security credits.
The single time that a child can remain on their parents' insurance until the parent dies or stops working is when the child is permanently and totally disabled.

(For example, a developmentally disabled child who will never live on his/her own would be capable of remain on the policy as a disabled dependent. And yes, you do have to provide endorsed documentation of the disability.)
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Are you liable for a medical bill even if the name is completely wrong on it?




Answers: Yes. If the service was rendered to you, you are liable for it. Someone misspelling your name doesn't get you off the hook for paying the bill.
If its your bill, and you had the medical treament or received the services for which it is for, then yes, you are liable for it.

if you received medical benefits, and dont pay for them, this is called "unjust enrichment" . Same thing if you find a wallet with money on the ground, with the persons name in it and keep according to the "finders losers" theory..unjust enrichment.

but if its not your bill, you didnt receive a benefit, then No its not your bill.

now if they catch you...thats a different matter....

if it goes for quite some time unpaid...and they find out youve been blowint them off...they can receive 3x in damages....so pay up...
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