What happen if you..?
Question:
Have no health insurance and something gruesome happens to you close to a major injury or cancer or something? How do you draw from treated? Or do you even get treated?
Does anyone here work within a hospital billing department or with social services and could share me. It's something I worry roughly speaking constantly as there hold been times when I've have no insurance. What about dental emergency?
I live in Texas, surrounded by case that matter.
Thanks a whole bunch!
Answer:
if you're indigent county hospitals can't turn you away.
the dental member.. I think you're on your own
Public hospitals unanimously cannot refuse precision to indigents. So you get treated, and everybody else who can income including the governement and insurance companies, pick up the bill.
We, the taxpayers pay your bill.
Hospitals cannot turn you away for emergency safekeeping so when you can't pay the bill, the rest of us draw from to pay it for you.
Yah organization hospital can help you on that.
Actually you can seize it online for precautions. Maybe you can try below website to get the information. It's roughly where to find cheap vigour insurance articles for your second opinion
How long does a personal injury shield, against an insurance company whip to settle once file, contained by Connecticut?
Question:
I personal injury case be filed contained by Sept 05, against homeowners inusurance. Currently, a status conference is scheduled for Feb. 2007. Other party were implicated by defendent, but they be rulled not liable in April 2006, and a motion of failure to pay was granted against defendent. Currently, the second motion is "trial list" in Sept. 2006
Answer:
Personal injury against an INSURANCE COMPANY? Very weird and wonderful. Did they have you arrested deceptively? Or did they discriminate against you unjustly?? Personal injury suits can nick 3-6 years to come to a conclusion. Usually dismissals happen pretty at a rate of knots, though.
this could drag on for years and years, sorry
What happen if you..?
Question:
Have no health insurance and something very bad happens to you similar to a major injury or cancer or something? How do you gain treated? Or do you even get treated?
Does anyone here work surrounded by a hospital billing department or with social services and could give an account me. It's something I worry almost constantly as there own been times when I've have no insurance. What about dental emergency?
I live in Texas, within case that matter.
Thanks a whole bunch!
Answer:
You never wrote why you didn't enjoy health insurance?
Without that information I can lately give you a couple of
pointers where on earth to get support with the costs of hospitalization
or dental services. Email me for more specific info.
Move to the UK the strength is free - even to immigrants!
Well...abundant hospitals figure surrounded by a certain amount within the annual budget for 'charity writeoffs'...payment plans can also be arranged base on a person's income. But if I recall correctly, you cannot be denied treatment. If you are really concerned around it and you are currently employed, you should be setting aside a certain amount respectively paycheck for just such an emergency.
Most adjectives of the major hospitals hold certain amounts of money that shift to charity. you would have to spread out the charity application at the hospital you go to and attain approved. I know at the one I work at (in Texas) approves some for 90 % charity and some for 100% charity. It all depends on your income. Hope this help but I also hop you never need it.
When you don’t enjoy money to get the comfort you need:
http://ask.hrsa.gov/pc/
http://www.omhrc.gov/templates/browse.as...
http://www.hrsa.gov/help/default.htm...
http://www.thefrugallife.com/medicalalte...
http://www.G00GLE.com/search?q=free+low+...
http://www.hrsa.gov/hillburton/default.h...
Hill Burton Hotline
1-8OO-638-0742
(1-8OO-492-0359 contained by Maryland)
In 1946, Congress passed a law that give hospitals, nursing homes and other health services grants and loans for construction and modernization. In return, they agreed to provide a believable volume of services to persons not sufficiently expert to pay and to take home their services available to all people residing in the facility’s nouns. The program stopped providing funds in 1997, but around 300 health supervision facilities state are still obligated to provide free or reduced-cost care.
Steps to Apply for Hill-Burton Free or reduced-cost Care
1.Find the Hill-Burton obligated facility nearest you from the document of Hill-Burton obligated facilities.
2.Go to the facility's admission or business office and ask for a copy of the Hill-Burton Individual Notice. The Individual Notice will recount you what income level make you eligible for free or reduced-cost care, what services might be covered, and exactly where on earth in the facility to apply.
3.Go to the bureau listed contained by the Individual Notice and say you want to apply for Hill-Burton free or reduced-cost protection. You may need to overrun out a form.
4.Gather any other required documents (such as a pay stub to prove income eligibility) and lift or send them to the obligated facility.
5.If you are asked to apply for Medicaid, Medicare, or some other financial assistance program, you must do so.
6.When you return the completed application, ask for a Determination of Eligibility. Check the Individual Notice to see how much time the facility have before it must describe you whether or not you will receive free or reduced-cost care.
More going on for Hill-Burton Free or Reduced-Cost Care
You are eligible to apply for Hill-Burton free care if your income is at or below the current HHS Poverty Guidelines. You may be eligible for Hill-Burton reduced-cost thought if your income is as much as two times (triple for nursing home care) the HHS Poverty Guidelines.
Care at a Hill-Burton obligated facility is not automatically free or reduced-cost. You must apply at the admissions or business organization at the obligated facility and be found eligible to receive free or reduced-cost care. You may apply since or after you receive care -- you may even apply after a bill have been sent to a collection agency.
Some Hill-Burton services may use different eligibility standards and procedures.
Hill-Burton facilities must post a sign within their admissions and business office and emergency room that says: NOTICE - Medical Care for Those Who Cannot Afford to Pay, and they must provide you beside a written Individual Notice that lists the types of services eligible for Hill-Burton free or reduced-cost strictness, what income level qualify for free or reduced-cost care and how long the facility may bring in determining an applicant's eligibility.
Only facility costs are covered, not your private doctors' bills. Facilities may require you to provide documentation that verify your eligibility, such as proof of income.
Hill-Burton facilities must provide a specific amount of free or reduced cost keeping each year, but can stop once they hold given that amount. Obligated facilities publish an Allocation Plan within the local newspaper respectively year. The Allocation Plan includes the income criteria and the types of services it intends to provide at no cost or below cost. It also specifies the amount of free or reduced cost services it will provide for the year.
When you apply for Hill-Burton care, the obligated facility must provide you beside a written statement that tells you what free or reduced-cost safekeeping services you will get or why you enjoy been denied.
The facility may deny your request if
·Your income is more than the income specified surrounded by the Allocation Plan.
·The facility has given out its required amount of free trouble as specified in its Allocation Plan.
·The services you requested or received are not covered within the facility's Allocation Plan.
·The services you requested or received are to be paid by a governmental program such as Medicare/Medicaid or insurance.
·The facility asked you to apply for Medicare/Medicaid or other governmental program, and you did not.
·You did not confer the facility proof of your income, such as a pay stub.
You may database a complaint with the U.S. Department of Health and Human Services if you believe you enjoy been one-sidedly denied Hill-Burton free or reduced-cost care. Your complaint must be surrounded by writing and can be a letter that simply states the facts and date concerning the complaint. You may call your local permissible aid services for help surrounded by filing a complaint.
Where can I walk to get free or reduced-cost prenatal charge?
You can call this number if you entail free birth control help, too!
Women within every state can get oblige to pay for medical comfort during their pregnancies. This prenatal care can relieve you have a good baby. Every state contained by the United States has a program to backing. Programs give medical vigilance, information, advice and other services central for a healthy pregnancy.
To find out in the region of the program in your state:
·Call 1-8OO-311-BABY (1-8OO-311-2229) This toll-free handset number will connect you to the Health Department in your nouns code
·For information in Spanish, nickname 1-8OO-504-7081
·Call or contact your local Health Department.
Has anyone ever have problems next to United Teachers Associates Insurance paying a claim?
Question:
Answer:
No doubt, SOMEONE has. You inevitability to go to your state insurance department website, and look up complaints. Complaints are usually a thing of public record, and can be found on that website.
Definition of "estate", as it applies to natural life insurance?
Question:
As it applies to this sentence: "The advantage of designating multiple level of beneficiaries is to keep insurance proceeds out of a beneficiary's ESTATE and to avoid probate."
I enjoy these definitions of "estate" but do not know which one applies: 1)the property of a lifeless person, a ruined, etc., viewed as an aggregate 2)The adjectives of one's possessions, especially all the property and debts disappeared by one at death 3)equitable estate:: the estate of one that have a beneficial right to property which is legally owned by a trustee or a personage regarded at equity as a trustee (as surrounded by the case of a use or power) .plus tons more that might apply! Please help me, I am stuck!
Answer:
For your insurance policy, "estate" process the property of the dead party.
Insurance proceeds are paid to the beneficiary. In the fantasy of a beneficiary, the proceeds to into the assets the dead soul leaves behind -- the estate. Thats not a moral idea because this may subject the proceeds to estate and inheritance tariff. So your insurance company is suggesting what every agent should tell you: specify beneficiaries, who will receive the insurance policy benefit levy free.
It's all the "stuff" legitimately owned by the dead entity, plus all their debts. ALL of these definition are correct.
Someone has to sort through the "stuff" and the debts, recompense off the debts beside the "stuff", sometimes sell the "stuff", and distribute the excess "stuff" to the heirs after adjectives the debts are paid.
Upstate answers right. Insurance estate is property and debts departed at death.
Always moniker person beneficiary and character second beneficiary. If money goes to estate is possible not a soul gets because is tied to probate. All could interweave up paying debt and attorney.
Is best name entity first and person contingent. Or if no personality name charity or church or valid thing not estate.
Number 2 is the best definition you've given. Numbers 1 and 3 miss the splotch, because the law recognize that one cannot own anything after their death.
The same hold true next to debts: a deceased character cannot owe anything to anyone. Only the deceased's estate can owe the debt. Valid debts are addressed by selling the deceased's things possessions.
Annual Transit Policy within Insurance?
Question:
Is the annual transit policy designed to cover only shipments of produce on the insured's own trucks or does it cover goods shipped by adjectives carrier, contract owner, or on the inured's own trucks?
Answer:
Inland cargo policies, what you are discussion about, can be tailored to cover whichever you want. There is a LOT of flexibility beside this type of form.
Which are the top 20 largest insurance companies by member of staff numbers?
Question:
Answer:
Here's a guess:
Prudential
Met Life
Northwestern
AIG
THe Hartford
Allstate
StateFarm
Travelers
BlueCross BlueShield
NY Life
Mass Mutual
State Farm Group
Allstate Insurance
Berkshire Hathaway (That's Warren Buffett and GEICO)
Travelers
Liberty Mutual
CNA
The Hartford Group
However, on the list I found, they did not enunciate how they determined "largest". My guess is that it is in premium written not contained by number of employees but if they're writing that much surrounded by premium, they would probably have a big number of employees to feel underwriting/claims. Amazingly, I've worked for two of the ones on the list!
And the inventory only give 7. I can only guess at who the subsequent 13 might be.
i would add aviva contained by there as powerfully they employ roughly 65000 ish worldwide and growing
Need to know which country you are talking just about and what kind of insurance.
In the UK the principal types of insurance companies are:
General Insurance - Motor, buildings, contents etc
Life Insurance - Life, health etc
Composite - mixture of General and Life Insurance
The biggest by far surrounded by the Uk is Aviva. This includes Norwich Union.
Other large companies are:
Standard Life: Composite Insurer
Resolution: Life Insurer
Prudential: Life Insurer
Royal & SunAlliance: General Insurer
What is the constrain of a claim settlement for a coup¨¦ luck that a claim adjuster can approve?
Question:
wow...hope that made sense,,,,,,
i know there is profoundly that can be considered...so i try to boil it down...car wreck ---no fault--had surgery--lost opening of 14 years due to company policy, gone more than 3 months from job, employment will be terminated---in future another surgery...advocate said that the amount of claim is higher of what the claim adjuster could approve...so what do you cogitate the "average limit" is...***does this make sense**
Answer:
Hey Friend,
I meditate you need a different lawyer or you obligation to talk plainly to the one you hold.. Ask him these questions..I'm not a attorney, but , an insurance company insures a person for a guaranteed amount.. ie.. my policy is a 1/3/1 policy 100,000 in liability 300,000 within bodily injury 100,000 in property mischief. So as I understand it If I hit you and it's my shortcoming then you could go and get a maximum of 300,000 in bodily injury. My agent tell me that this is what I should have and that it is more than the state mandate minimum. So it sounds like your injuries and damages exceed doesn`t matter what your or the other persons insurance will cover. If it we're the other individuals fault you could sue them for the amount over what their insurance will cover. In your circumstance within is no one to sue. So look at your policy and doesn`t matter what your limits of coverage are is what you can catch. NOW if the lawyer is on the retribution of your insurance company you REALLY need a second assessment from someone not affiliated with your insurance company. Good luck.
Keith
No perception, but I wish you the best of luck. Sounds approaching a bad matter for you.
It all depends on what the at guiltiness parties restrictions are, if those limits are exhausted you cannot bring back anything else out of that policy, but you can still sue the at fault knees-up,you may still be able to bring back underinsured motorists benefits from your own auto policy if you carried that coverage, then after that you can check if you own short term or long residence disability benefits from your employer, and by the way that employer may be violate the law you necessitate to apply for FMLA or Family Medical Leave of Absence, the employer cannot terminate you if you hold filed for FMLA for at lowest possible one year from the time the condition that keeps you out of work is diagnosed. you may want to consult a different attorney your current counselor does not impress me.Good luck and God Bless !
Each company sets it's limits, but the adjuster can alway travel to his boss to get a highly developed amount approved.
what the attorney said was i.e. over the adjusters authority and claim will have to be in motion to higher authority( the commander claims guy with the company)
Well, usually if you're looking at a large limit - voice, over $25,000, it has to be reviewed by a claims supervisor. However, NO ONE is going to approve anything over the policy hamper. Also, you could be looking at a secondary policy, such as an umbrella policy, afterwards you have multiple adjusters that enjoy to approve it, and possibly multiple companies.
Want 2 become insurance agent/adviser which is best co.,how can i fix together it plz back? thaxs.?
Question:
Answer:
Check out the Primerica business opportunity here: http://www.primericabusinessopportunity
It maybe for you, or perchance not. At least it doesn't hurt to check it out. You won't be an "insurance" guy, but the "financial" guy. Plus you can conscript people and earn bonuses respectively time an agent sells a product. No commissions are ever split unless you area training someone. Of course, you have to know that folks can choose to work or not work. You can't force them to go out and find clients.
There is not a soul answer to that question. There are literally hundreds, but for thousands of insurance companies.
To be an insurance agent in any state that I know of, you enjoy to pass a state insurance agents exam. You'll hold to check with the insurance department surrounded by your state to find out what the requirements are for your particular state but most of them require mandatory courses that you hold to complete before you can even apply to purloin the exam for the license.
Your best bet would be to look for a trainee job next to an insurance company. You'll work with relations that are already licensed and learn the insurance business, while taking the mandatory classes you requirement to take. Once you're set and have truly learned the insurance business, you lift the exam and get licensed.
You can combine LIC, Max New york Life insurance, Tata, ICICI, Metlife and several others. You can contact them and they will select after an aptitude test and next you will have to clear a exam before they admit a license to operate as an insurance agent/adviser.
You need to start taking the state license courses. You cannot sell insurance (or work as a financial advisor) unless you take the course and next pass a state exam. You cannot pocket the exam unless you have a permit showing that the class time has be completed (approx. 50 hours of classroom instruction).
Classes are held during the days, at nights and even on weekends and run a couple of hours per session. Check next to your state Department of Insurance for additional information.
i know that gosafe. r looking for ppl resembling u
they sell fitting travel insurance
http://www.gosafe.co.il
Loss of Earnings contained by the Ocean Marine Field Insurance?
Question:
What is the form of coverage designed to protect against loss of earnings surrounded by the Ocean Marine Field?
Answer:
What kind of loss of proceeds? Ocean cargo coverage does NOT usually include "profit" or "markup" coverage, so if that's what you propose by earnings, you aren't going to seize that coverage.
The cargo itself IS covered, at your cost. So where on earth do the earnings come from?
It's usually call business interruption insurance. Coverage for the loss of earnings contained by the case the policyholder's business is shut down by fire, windstorm, explosion or other insured peril.
With the deep marine insurance, you might own freight insurance to cover loss of earnings if the shipment is diluted.
Are renal donors eligible for vigour insurance on commonplace tariff?
Question:
Many private insurance companies avoid giving health insurance cover to renal donors? They are not giving any piece in writing' but only avoid initation of proposals. Is it correct? Are renal donors are under any species of increased health risk?
Answer:
Health insurance is just for external organs only. You can insure eyes, legs, etc.
I saw this guy grasp medical insurance for a kidney/pancreas transplant patient. You can't be more of a risk on your worst time the best news... He's not pesky.. lol
any he can or he can't//.. markstolz@prodigy.net
how do i find out if someone who owns a auto dealership still have an auto bond?
Question:
is their a place you can pull up on a trellis site to find a dealership who lost their dealer bond or a place where on earth you can find out if certain dealer have a contractor bond
Answer:
No, you can't find if they still have it . . . but why surrounded by the world do you CARE? The bond an auto dealership has, with the sole purpose protects THE STATE. It says, if the provider fails to remit sale tax he collects from the customer, consequently the bond will pay the state that sale tax.
So it does NO ONE any pious, except the state.
"Bonds" really don't mean what you surmise they mean - it's a guarantee from the insurance company, that the party who HAS the bond, will act contained by a certain instrument, TOWARDS THE PERSON NAMED ON THE BOND. That's it! It's not "general" giving any coverage to the world, only to the person/entity name on the bond.
All the insurence combany eliminate togive mediclaime policy to senior,how can we compelthem tohelp seniors?
Question:
Answer:
the companies will be in a loss if they pinch mediclaim of senior citizens so to offtake the load from them. first the system has to label it compulsory to give one policy to a senior citizen for every nonsenior citizen they enroll.
and the loss cause by this should be compensated by the governemnt in form of toll rebates.
Government have to take initiative.
if you hold already take mediclaim within middle age consequently you will continue till the age 80s because within elder age is complicated that means some problem (health), if furnish the mediclaim to this age, the company cannot survive long time due to give more claims, within star health confer to 80 ages
Assuming you're talking in the region of in the US?
Actually, there's no want for health insurance companies to insure senior citizens contained by full at this point. Even if you don't choose to (or can't afford to) retire at age 65, you still become eligible for Medicare, which has fixed (and VERY inexpensive) premiums rewarded by the seniors themselves. Now, I realize that the premiums probably don't seem inexpensive to the seniors, but by comparison, I'm sure anyone would agree that the $73/month my grandmother pays for Medicare is undeniably cheaper than the $450/month I pay for comparable coverage.
Medicare pays 80% for covered charges. Then in attendance are literally hundreds of different Medicare supplement products (though the availability varies by location.) And as long as indubitable guidelines are followed, seniors can't be turned down by a Medicare supplement company. Period. And the rates on these products, while they aren't set by the government, must be approved by the establishment. You cannot be singled out for a rate increase based on your own claims history, any (although they can increase rates for an entire rating class at renewals of the policy.)
Short of flat out giving it away, I'm not sure what else you think should be done?
dose unknown Hampshire require mandatory insurance?
Question:
Answer:
Depends upon what kind of insurance you're chitchat about.
Auto insurance: Yes
Workers comp insurance (for employers): Yes
Business liability: Depends upon the city or town.
Most other kind: No
Nope.
Yes, they even go around and manoeuvre your tire tread to see if your tires are good, while you are park surrounded by the cities.
It's like the Gestapo here
every state requires insurance, some are more lax than others in enforcement.
most eastern states require prooof of ins to register a vehicle, and some require to get a d lic.
The first character is correct. Health insurance is not required and neither is car insurance. I've lived here my enthusiasm, too. But definitely catch car insurance... you'll regret it if you don't. lol I didn't hold insurance... now I own no car.
On motorized vehicle, yes. On non-motorized trailers, no.
Can an employer receive you take-home pay for damages to a sports car..?
Question:
At a car dealership, if you enjoy an accident within one of the company's cars, new or used, can they bring in the employee settle up for the damages? Isnt that what insurance is for?
Answer:
No, they can't. That's EXACTLY what the auto dealer liability policy is for.
Actually, there's an exclusion within the employee's PERSONAL automobile policy, so it won't even cover them personally, for an twist of fate arising out of the business of selling or fixing cars. You NEED the auto dealer liability policy for that.
Additionally, if the employer made the hand sign an agreement that they would be responsible ANYWAY, well, I don't reflect that would hold up in court.
i would guess it depends on what you did to reduce to rubble it...i would contact your insurance company and see what they say..you gotta remember they will hold to pay high premiums on their insurance if it is turned in...
Depends on what it say on your employment contract.
Yes and Yes, if you damaged the vehicle through stupidity then why should they claim on thier insurance
This depends on the state. Your boss probably can charge you for damages to company property, but surrounded by many states the speculation from your paycheck will be limited (10% is a adjectives figure), and in some states if the loss is covered by insurance afterwards it is illegal for your boss to do this. You should find a local advocate if your boss is doing this to you.
If it was your breakdown, yes, they could.
Insurance is for accidents. If you did something through negligence that you know you weren't supposed to be doing, then your employer fairly likely, and rightfully so, I might put in, may not want to turn a claim into their insurance. They also likely enjoy a high deductible and if the make worse you caused is lower than the deductible, there is no point surrounded by turning it in as they wouldn't attain anything back anyway so they are collecting it from the personage at fault.
Do you know for sure that they have insurance on the vehicle? If not, I can see why they want you to pay.
As others are dictum it really depends on the circumstances of how the vehicle was tatty. If you took a baseball bat to the car (for example) consequently they should make you income for it. If you hit a deer crossing the road then no, they shouldn't craft you pay for it, at lowest not more than the deductible, but even paying the deductible when not negligent would appear strange.
So in common I would say it would be chance that they make you clear for the damage...if i.e. their policy your better off insuring the vehicle on your own.
if you are an employee consequently they should have you covered on thier policy for driving the auto. Companies fetch insurance just for that source.
Yes, they can require you to pay for the damages.
You should hold sign a contract when you were given
the sports car. It WILL state in the contract what the agreement
lingo are
Also, were you driving the motor for personal use, when
the damage be done?
Or for company use?
That is the biggie question. If it be personal you most
likely owe for the damages.