Help Need Advice! Aetna have not sent my mother insurance card. Doctor will not adopt her. What to do?
Question:
My moms signed up for an employer based insurance which included Aetna as the insurance provider. She signed up for it to start 1/1/2007 and have not received insurance card till this date 3/28/07. We have call up numerous times to request a card and have not sent to us. They promised to distribute on numerous occassions but never recieved. The last time we call we spoke to a supervisor/manager and she said we would send it overnight after complaining that we are unbelievably upset, but it didn't come overnight. They say snail communication takes 2-3 weeks to recieve. A company as big as Aetna should not be this cheap and slow. They said they didn't own records of previous communication base on the computer. We told her we can send a copy of phone bill showing date we called and requesting insurance card. She said that be not neccesary. Her doctor will not accept her lacking have insurance card. What can we do? We are sick of the poor service Aetna enjoy provided.
Answer:
Report Aetna to the Insurance Board. That will get their attention. Call Aetna again and convey them you intend to do so. Also, A rep from Aetna can call your mom's doctor to verify that she is insured. All they enjoy to do is give an ID number so the doctor's bureau can file. Also, I cogitate the emloyer should be aware of this. They might want to go next to another provider.
You can print a temporary insurance card through their website. You will entail to register as a user/member, but getting the card is easy, provided that her coverage is contained by effect.
www.aetna.com
You may be able to print a interim card online. check their site.
You can sign on to Aetna's web site, www.aetna.com and sign up/sign contained by, and print a temporary ID card. The doctor's bureau can call aetna and verify her benefits over the phone, on chain, or in their IVR phone system.
Its for a time silly that the doctor's office won't see her short her card. An insurance card isn't like a credit card... It doesn't elicit or terminate her plan. Sorry its be such a hassle. Good luck!
i'm not so sure that the department of insurance will investigate an ID card gone missing.
i suggest a couple things
if when you called customer service they be able to locate your mom, consequently ask them to resend the ID card, but not to have it sent automatically. ask them to trigger the card and afterwards once the manager you spoke to have it in his/her hand ask that she mail this card to you, but past she mails ask her to variety a copy and email/fax it to you.
then once you are given the id#, creat an picture on their website and print the temp card. usually they are good for roughly speaking 10 days.
i would also ask her employer if they have access to trigger psyche cards for the employees and if so ask him/her to trigger the card also.
if at adjectives possible (depending on how close it is to you) ask the manager to appointment you when she recieves the ID card and you can pick it up.
Insurance coverage of married dependent?
Question:
My fiance and I are full time students, currently covered under our respective parents' robustness care. Neither of us will own our own health thinking until he begins his training beside the Marines in June.
We are pretty sure that the answer is no however we want to know if we can verbs being covered by our parents after we draw from married. Would we still be considered dependents of our parents? Neither of us work, we are full time students and we are financially supported by our parents.
(we understand that the answer may swing upon differnt insurance companys but we are looking to find out if there is even the possibility near any company).
Answer:
I've reviewed literally hundreds of insurance contracts -- HMOs, PPOs, POS, indemnity, etc. Every one I've ever seen states that a married child can no longer be considered a dependent, regardless of the child's financial or arts school status.
Sorry!
You might be able to win away with that because you are still within school and your parents still support you. That would be a quiz you would have to ask your insurance company. There is a phone number on the pay for of your card. Call that and ask them.
Coverage for children can continues during their education, however, once a child get married, they are no longer considered dependent upon their parents and coverage ceases.
If your fiancee is joining the Corps, near are 2 suggestions.
1. When he reports for induction, he should bring a copy of your marriage license next to him so that you can be properly covered under his military benefits right away.
2. You may want to consider waiting to win married until after he completed his basic training. It is masses times easier to get things proficient when you are not in the "boot camp" environment.
Good Luck.
Semper fi
Insurance as an instrumentof positive a perception study?
Question:
project research design
desinging of questionaries
application of sampling tecniques
administration the survey tabulation of notes
application of statistical managerial tools
analysis of information
drawing inferences/testing hypothesis
Answer:
Though your question is not intelligible after all what you want to know? but i guess you want to know or study for the insurance as a instrument of abiding?
Yes insurance is saving product. Insurance is long possession saving product, the fruits of abiding will be useful after five, ten, fiftee, thirty years.
Generally contained by india people belive contained by short term positive product, as they feel that short expressions saving product can be tracked effortlessly, their will be little money involved for insolvancy, people own yet not become bazaar oriented, as since indepdence we hold been teached "Traders are theives", this mentality also comes within between. Some people feel, who are going to see if he or she dies, and insurance company pays money or not. illiteracy, and illiteracy type of thinking is also the main bring for increase use of insurance as a saving product, even though govt. make a contribution tax benefit.
Help! Looking for an Insurance Company that Will insure Unusual Type of Vehicle?
Question:
Can anybody help please.
Answer:
Tell us what unusual is and we will probably know how to steer you in the right direction.
There are a few sources that can specialize in coverage for unusual things. Everything from Lloyd's to Gulf and on. Find an agent or broker that can point they instrument to the best company would be the best way to walk.
If it's street legal, Condon & Skelly is a pretty polite place to start, but an independent agent should be able to capture you several quotes from a variety of places.
Of course, your press is VERY vague, so we don't know if you're chitchat about an experimental aircraft, or a apparatus car, and we don't know if you're looking for liability coverage, or physical pull coverage, but in any crust, an independent agent is the guy who can shop this around for you.
The more unusual or exotic it is, of course, the more expensive it's going to be.
Whats considered unsual?? If it is an expensive exotic type coup¨¦ Lloyds is a good place to start
'STAR HEALTH & ALLIED INSURANCE',India-I intend to buy a Mediclaim policy.Your experience and view, please!
Question:
Answer:
Not even, heard in the region of this. ICICI Lombard is best option, which I am have and using for the last 2 years. Good service.
Where is the difference between insurance and assurance?
Question:
Answer:
Example:
Life Insurance has be defined by dictionary.com as an ‘Insurance that guarantees a specific sum of money to a designated beneficiary upon the death of the insured or to the insured if he or she lives beyond a trustworthy age.’
But Life Assurance on the other hand is different. Life Assurance is a hybrid combination of insurance and investment. A ‘Life Assurance policy’ pays out a sum of money equal to the better of either a minimum underwritten by the policy’s insurance clause or its investment valuation. Thus, making the merit of your investment reliant on the insurance company’s performance next to respect to investment and growth.
Assurance is French for insurance, therefore contained by English the terms are interchangable. I guess some companies want to put in an exotic flare to their name ;-).
A tree jump down an my vehicel during a storm who pays auto or homeowner insurance?
Question:
Answer:
Auto.
If you didn't own the tree, your auto insurance will try to collect back from the tree owner.
The homeowners insurance first, later the auto insurance if it is not covered (minus the deductible of course).
auto
Homeowners policies NEVER EVER EVER pay for deface to cars.
You'll have to profile a claim under the comprehensive box of the auto policy - that's what covers "falling objects".
Homeowners never pays damage to you auto. You can claim this wounded under your auto policy.
AUTO! autos are excluded from ho policies
The auto is primary. The solely way HO would remuneration is if it was not your tree (making you a third bash claimant) and the tree was not able-bodied.
Your HO will never pay for incapacitate to your auto. The other persons HO would singular pay if it be determined the tree was not wholesome and the homeowner neglected to care for it.
If you enjoy comprehensive coverage on your auto policy, it would pay for the damages smaller number your deductible.
Comprehensive coverage under the auto policy will clear for the damages. Vehicles are never covered under your own homeowners policy.
The press that needs to be answered, and should enjoy been asked by those who are supposed to be surrounded by the know, is who owns the tree. If the tree belongs to you, your Homeonwer's policy will not cover the damage. Your auto will retribution if you have Comprehensive coverage. If you don't, consequently you are out of luck. If the tree does not belong to you, you can sue the property owner, and their Homeowner's policy will respond under the Liability portion. Liability beneath a Homeowner's policy covers Personal and Premises liability, and this portion does NOT exclude damage to automobiles.
Auto Auto Auto!
If it be your tree and it fell on your car, it would totally be your automobile policy. Your comprehensive coverage would pick this up, provided that you enjoy this coverage.
If your neighbor's tree fell on your car, your auto policy would still be the one to pay cheque. They call this scenario an "Act of God." A homeowners insurance policy would not cover such a claim, as you are not liable for your trees. However, prior to the tree falling, if you notify your neighbor numerous times and provided a Certified Letter warning of potential jeopardy from their tree that needed to be trimmed or removed, then their homeowners insurance policy could be held responsible.
Who owns the tree? If it's within your yard, your auto policy covers it below comprehensive, which covers acts of temper (like storms). If it's not your tree, like say aloud, it's on your neighbor's lot and fell across onto your car which be parked on your lots, then THEIR homeowner's pays it.
Assuming you own comprehensive coverage on your car, it will foot for the damage cause by the tree. If the tree is not your tree but your neighbors and you can prove they were forgetful in the upkeep/maintenance of the tree, their HO policy will reimburse your auto insurance for the damages. If it's your tree, too bad--you can not get better from yourself in a situation close to this.
True or false? I can let go money on saloon insurance by choosing a sophisticated deductible?
Question:
Answer:
Most of the answers are missing something.
A higher deductible will free you money in your monthly premium.
But if you own multiple claims in a year, it won't accumulate you money overall.
Personally, I go for the $1000 deductible.
True
yes!
Depends on your insurance company, but most of the time yes you can.
True, but after if you have an chance, you'll need to reimburse more before the insurance company kick in their share.
true
If the deductible is the solitary variable later it's true.
True, just pray you don't acquire into an accident and you can't afford the deductible.
Absolutely, but you hold to follow up by not getting into accidents. You lose your hoard the moment you find yourself paying that higher deductible.
(All insurance companies will diverge, so you'll have to see if they even hold out the option.)
Of course.
It's basically logical. They end up paying smaller quantity when you get into an quirk, so in exchange you win lower rates.
true, because you are accepting more of the risk. If you have the deductible surrounded by savings it is a flawless way to set free some money monthly. But make sure you enjoy tht deductible availiable in brass...otherwise it is not worth the savings monthly because you are taking too much of a risk.
You can also liberate a bunch of money by switching to Geico.
Yes, It's true
Yes, you can save money but simply as long as you are not an accident prone personality. If you get contained by many accident you will have to reimburse the deductible, so just see how much you could collect and weigh out your odds
True. You do not want a difficult deductible, believe me. My previous deductible was $550!! Can you believe that? Someone hit my vehicle (hit and run) and I paid $550 to seize the damages fixed. I would get a lower deductible.
Yep...true.
TRUE, the superior your deductible, - the less the insurance company own to pay contained by case of claim
In this travel case you will faced more risk and you payment less payment
if you feel you are a angelic driver just do this!
True.
True, but remember that mode if your in a coincidence you have to come up next to that amount first to get your saloon fixed so if the car is diluted 2500 and your deductible is 1000 then you get to front that 1000 first. Can you do that?
You can save money on vehicle insurance by switching to Geiko.
True, but if you file a claim you hold to pay that deductable out of pocket. so i usally step with a 500 deductable.
A sophisticated deductable can in certainty lower your insurance payments, but remember, if you have an happenstance, you have to salary your deductible amount before the insurance will reimburse.
True, but it will cost you more if you need to use the insurance.
True True and True. Be vigilant though. Those deductibles sneak up on you sometimes.
raising your deductible will other lower your premiums. the typical savings can be as much as 50% going from 500-1000 deductible.
True!
If you choose a difficult deductible, the insurance company does not have to earnings as much if you get into an happenstance, since you will be covering more with your deductible. Therefore, your policy premium would be smaller amount since they don't expect to cover as much.
$3000 repairs - $2500 insurance pays, $500 you pay
$3000 repairs - $2000 insurance pays, $1000 you foot
True. You will have a lower monthly reimbursement, but if you get into an misfortune, you will have to earnings a higher deductible to carry the vehicle fixed. I choose to go next to the higher monthly expenditure and at accident time, $100 is alot easier to come by than $500 or highly developed.
yes
sure can, unless it's financed, then you'll entail to make sure you're following their agreement (some companies own a max limit)
True. The deductible is the amount out of your pocket, before the insurance kick in. The complex the deductible, the more out of your pocket before the insurance kick in, the lower the premium.
Yes that's true. But only be sure that in the event you enjoy to make a claim underneath Comp, that you have set aside the amount for the highly developed deductible because you are going to have to money that out of pocket before the insurance company reimburses you for the loss.
'STAR HEALTH & ALLIED INSURANCE'- Can anyone share their view on the co.,since I propose to buy Mediclaim?
Question:
Answer:
U can go for an condition insurance with New India Assurance co. Ltd., it have 1170 branches spread all over India. drop by their web site niacl.com
"i obligation a licensed and insured company who can remove a illustrious voltage reading light pole, does anyone no of such a comp
Question:
I'm located in Marina del Rey, Ca
Answer:
appointment so cal edison, they should know of some providers.
Otherwise, call local builders, they use these services.
perfect luck
any electrical sign contactor
What qualifactions are required to become an estate agent?
Question:
Answer:
You have to be cold, calculating, tight-fisted, confer bollox and not give a damn in the region of anyone (that includes your mother) and you'll sail into the employment.
A degree, contained by the language of Bullsh1t
Apart from that am not sure.
none - it's the type of article you learn on the opportunity - you need the contribution of the gab and a lot of guts!
You call for to get a Real Estate License..which as a rule only take 2 weeks - 1 year..depending on how much time you are willing to commit too.
If you live contained by australia, i know that you can apply online at the REIA website...or youre individual state's REI website.
Very little to be truthful...
Obviously when applying the more qualifications you hold the better...
Its a whole different kettle of fish if you want to OWN an estate agents.
For this you must own be chartered and take a simple training course to clue you in on the ins and outs of property Dutch auction.
Just to work for an estate agent...
Good english/maths skills
Good grammar and devout communcation skills.
thats about it...
No specific qualification required, what adjectives you need is a appropriate communication skill . But some basic trial knowledge is required, this help you when ever a litigation arises. Best suggestion I can give is, interlace a reputed estate agency. Do job for in the region of one year. By that time you will knowing all surrounded by and out of an agents job. Then start your own estate agency.
Depends on what plane you want to achieve.
I'm a sale negotiator within an Estate Agency. I started as a Weekend viewing person (just showing population round houses) and helping in the department, booking viewings and giving information about houses.
Now I do pretty much adjectives aspects of the job, have learned as I step along. There's loads that I don't know, and I'm not trained as a valuer, but there are more experienced, and more outstandingly qualified people within the office to do that.
The director has done lots of courses and have a string of letters after his designation - I don't aspire to that, I just savour doing what I do.
I would definitely recommend this route, as when you start there's no pressure on you and you can revise by watching others and gaining hands-on experience.
if you penny-pinching that question exactly how you've phrased it consequently the answer is none at all whatsoever.
you requirement skills, but not qualifications. it's purely like the funeral service where on earth all you obligation is a telephone number and some contacts to send for yourself one.
Click here: http://www.usarealestatelicense.com/?sou...
or here: http://www.vaned.com/index.cfm/fuseactio...
Good Luck!
is it nessasary for surrounded by house homeowners association to own a attorney and insurance?
Question:
Answer:
I would say yes to both. For one if the association have employess there are a few insurances they need. Also, insurance is needed if something happen to a member or guest on their property or while using amenities close to the pool. Where there is stipulation for insurance you always enjoy lawyers.
Not sure what a "within house homeowners association" is but if it's like a condominium association or an association that covers a collection of houses surrounded by a development.
An attorney and insurance are not required by imperative.
Is operating without them the stupidest entry you could possibly do, ever in your entire vivacity. Yes
They don't need to own a lawyer unless they are taking endorsed action, or defending against court action; but I've NEVER see a set of bylaws that didn't require that the association has it's own liability coverage. It's ALWAYS mandatory.
I own a unharmed life span policy. Should I hold it?
Question:
Looking at my whole existence policy, it seems that this duration policy isn't so great as I thought it was. First, I single have $75,000 coverage and I pay envelope about $800/year for it. My brass value is growing so slow that there's no channel I can retire on such low value. I don't know why it say aloud I can borrow my cash meaning. Why can't I just steal it and don't have to wages it back? Then it say my death benefit will be reduced by any missed premiums and loans taken out of the dosh value. That make sense, except the loan part. Then it say no cash worth will be paid out when I die. Isn't that wonderful
Is nearby any good reason why I should keep this intact life policy?
Answer:
Sounds similar to you don't want it, but what happens when you get hold of rid of your life insurance? Will anyone be artificial financially when you die? If so, then you should replace it next to term insurance, try for 30 year residence. If not, go for 20 or 25 year occupancy.
Right now, you shouldn't attain rid of whole life span insurance right away. You want to see if you qualify for term insurance. When the occupancy policy is issued to you, then you should invalidate the whole natural life policy. You may save some or lots of money by buying permanent status. With the cash worth, you should put it into a Roth IRA. Though, you can only put up to $4000 ($5000 if you are 50 years prehistoric or over) into a Roth. If your net surrender importance is greater than this, then max out your Roth and beside the rest, put it into CDs or money markets or some sort of stash that has 4-6% interest.
If you save money by switching from whole duration to term, I suggest using it to recompense off some debts or invest it.
Now that you know and hold read the finner prints, I suggest you get connected near them and find out if you're able to upgrade your policy to one that match your lifestyle or at least your supporting requirement when you retired.
Hi,
I'd say pls. do preserve this life policy. $800 a year for $75,000 is not fruitless.
In the event of your death, deduce of the beneficiaries. Do consider the amount that they'll get because of the investments u've made over a spell of time.
As of loan, u need not verbs till u pay the premiums regularly.
No, your total life policy is just about what whole life span policies are for. If you take borrow against hte lolly value, and consequently die, the money you borrowed gets subtracted from the payout.
Why did you buy it contained by the first place? Whole life is GREAT to wages estate taxes when you die. That's the main purpose of it. For basically about any other sense, term is better.
Insurance is NOT a hoard or investment tool. It's a bet about whether or not you're going to die.
So, get hold of out your goal register, look at it. Is the insurance meeting the dream? If yes, keep it. If not, ditch it. No use spending accurate money after bad. Find the product that meet the goal.
Taking out a integral life policy be both good and discouraging. It was accurate because you are locked in at the current premium rate and it won't increase as you grow elder. If you had arranged on a term policy, respectively renewal would greet you with a rate increase - and you would still be surrounded by a term policy. Eventually the premium for the residence policy would become more expensive than the whole existence policy and you wouldn't have change value buildup to show for it. In mixing, term policies don't own loan provisions like adjectives life.
When you purloin out a loan on the cash effectiveness, that loan will always be subtracted from the passing benefit (or cash effectiveness if you decide to end the policy).
The downside is that during the earlier premium donation years, your premium is higher than a permanent status policy. Although I wouldn't recommend a whole time policy as the sole retirement planning tool, it certainly doesn't hurt to supplement your 401(k), IRA, and other accounts next to one.
Term life is affordable. If you enjoy plenty of money in other retirement plans and see that you would hold sufficient accumulation, occupancy would be the route to take.
If you are still unsure, look in a financial planner with a CFP or ChFC designation. They are qualified to provide guidance regarding these matter.
Ron, ChFC
the mistake was not contained by buying the whole duration policy, but in buying a unharmed life policy as a retirement vehicle. Savings & investments are totally separate from insurance & should not be comingled.
If you told the agent you be buying it for retirement, they should not have sold it to you as such, as it is completely inapropriate for that purpose.
The insurance itself is not a unpromising deal, except if explicitly not what you got it for, later it is a waste. As Mbrcatz said, manufacture sure it is doing what you want it to do.
"i want a licensed and insured company who can remove a giant voltage pallid pole, does anyone no of such a comp
Question:
I'm located in Marina del Rey, Ca
Answer:
Please telephone an electrician.
Public adjusters?
Question:
Answer:
What is the question? Are you looking for one? If so, pick up your pale pages & start looking. You are not going to find one here within your area since we hold no idea where on earth you are.
?sretsujda cilbup
phone book!
A public adjuster acts as an fan for the policy holder in the insurance claim process.
There a three classes of insurance adjusters: staff adjusters (employed by an insurance company or self-insured entity), independent (independent contractors; not insurance company employees) and public adjusters (employed by the policyholder).
A public adjuster represents the policyholder surrounded by an insurance claim. This commonly is a homeowner's or business owner's property insurance loss (structural, personal or business contents, additional living expense, loss of rents, etc.). The insurance company employ paid, professionals (adjusters) to negotiate for them. The public adjuster perform these duties for the policyholder.
Or, if you need Public Adjusters click here: http://www.publicadjustersusa.com/...