DID YOU KNOW THAT ALL HEALTH INSURANCE IS A FRAUD? Did you ever read the fine print?
Question:
Insurance only covers you if you or your employer pays for it.
When you catch so sick that you lose your job,the ins. stops as very well ! All you're covered for, is just the untested health problem. Don't come down next to anything else ! You won't be covered !
Unless you are very successful, you'll have to shift on Medi-Care or Soc. Sec. ! Then you can have simply 1 car, 1 house,and no more than $2,000 contained by the bank ! If you turn over the $ limit,you lose benifits ! So if you seize cancer and live,...you will never be able to carry ins. again.! Don't get sick or break a bone..you're not covered ! Does that nouns fair? Everthing you enjoy worked for and saved up,will be GONE ! It's a scam !
Answers:
Great query, and I agree with you completely! BTW Cobra is a set-up...a very impossible joke! *sm*
Well, that's necessarily how all insurance works. You aren't covered unless you verbs paying on the policy. Most things in vivacity are like that - zilch is for free.
Actually if that is the armour, you should go on conditional disability and your employer may not (as in can't) fire you while you are on temp. disability. Furthermore, while on temp disability you are typically eligible for medicaid (not medicare). If you lose your charge, then your employer must tender COBRA. You keep the insurance but the employer doesnt wages any portion as you are no longer an employee so you don't receive benefits.
There are several low-cost insurance companies out here such as blue-cross and kaiser permanente. And no they will not cover pre-existing conditions, but from your.rant.that would be cancer. So a broken bone would not be related to your pre-existing condition.
As far as what your employer may dismiss you for, it is all outlined within your personnel handbook.
I'm sorry you are have a bad experience but insurance is not fraud.
If you hold more than one car and one house and you expect medical assistance you are insane! Sell your 'luxeries' to facilitate pay your bills. Why on globe should the government money your helth coverage while you have things that aren't necessities!
Of course you won't be covered if you lose your coverage. You wont be covered within a hurricane if you stop paying your home insurance either.
If you remain not at your best, then you would qualify for binding disability. If you are on permanent disability consequently you qualify for medicaid.
If you get better consequently you can get another duty and go put money on to getting insurance.
Have you ever heard of COBRA?
Stop spreading drama. It's antiquated and tacky.
wow some company made you made..
Too doomed to failure you are wrong! Bill Clinton passed a law that doesn't allow reliable conditions to be pre-existing and as long as you've had smaller quantity that a 63 day break surrounded by coverage they can't count ANYTHING as pre-existing...
I know wacth the new movie call Sicko, i saw a really good preview just about it, that movie tells it approaching it is. Only those who live in a few country's surrounded by Europe get virtuous cover but unfortunately I live contained by the U.S. Our idiot for a president wants to stop some of the insurance companies I denote get rid of them for apposite! Its not fair.
Oh, you're so right, you with the sole purpose get it if someone PAYS for it. That works for EVERYTHING.
so to some extent than wait for the management to attach your assets before you can stir on welfare health assistance (meaning, until that time *I* have to wage for it), let's just enjoy everyone's assets attached right NOW. Then we don't have to verbs about who make what, everyone's salary will simply go into one big pot for political affairs to spend! We can have policy health precision, government housing, and command groceries!!
People who don't want to work won't have to! They can merely get their share ANYWAY, that's balanced, right? Of course, the average SHARE will go down, because most race won't bother working!!
That's how it works! Worked GREAT in the USSR, associates were free to stand within the bread lines ALL DAY LONG!!
Where only the organization people hold access to EVERYTHING, but everything else is divided equally! How GREAT!!
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I hope this helps next to this nightmare that 7 out of 10 people are living, the HIGH cost of condition benefits! It is a very woeful situation.
Tammy
You get what you repay for. Who do you think should pay envelope your medical bills?
If an insurance agent have more than one license, what happen to adjectives of them if one is revoked?
Question:
Answers:
It would depend. I held agent and adjuster licenses at like peas in a pod time. If Florida revoked my adjuster license, my Ohio agent license might not be effected. It would depend on the plea it was revoked.
Depends on why it be revoked. Usually you can't RENEW any of them if one gets revoked - surrounded by extreme cases, the others might be revoked as well.
I believe that an individual cannot hold more than one insurance license. surrounded by case he have, may be in suitcase of revoking one license he might illegally verbs to work with other license. as and when authorities come know in the region of this he might be liable for appropriate action
How long does a go insurance applicant own to turn contained by their application, once endorsement the exam?
Question:
Answers:
Usually you don't have the exam until AFTER the application is turned contained by. If you have someone who did it the other path around, you'll have to ask them.
Whats better ppo or hmo??
Question:
just wondering which is better??
Answers:
I've other been within good robustness and before I be married and had children, I other chose the HMO because it was cheaper and I didn't mind going to my primary vigilance physician for the rare instances when I needed to see another doctor (once, I contemplate for a dermotologist). Now that I have children, I choose the more expensive PPO because I can progress to any doctor without a referral (although benefits are better if you choose one of their net doctors, you don't have to if you are predisposed to pay the difference). If you enjoy a medical issue that requires frequent visits to multiple doctors, you will find the HMO to be a hassle of approvals and referral.
WATS BOTH?
PPO is better because you do not need referral to see specialists. You have more of a choicewith PPO's after HMO's.
Ambtay hello.It really depends on your needs and medical situation.However,I prefer a preferred provider orginazation over hmo.You seize better recognized carefulness,doctors,dentist etc. and also your cost is reduced for better savings.If you saw the movie John Q next to Denzel Washington you can visualize the effects of an HMO.It limits you to specific doctors and usually solitary pays a specificied amount for services.
PPO is much better. Your choice of doctors. But the co-pay may be higher. Also check to see if the PPO pays like peas in a pod or less for test - blood test, x-rays, etc.
-MM
Level of caution is about indistinguishable. A PPO has a lower monthly premium, but greater copays. The HMO has complex monthly premiums, and lower copays. It depends on how much you're planning on using it.
see Sicko & call me surrounded by the morning
I have an start on access HMO and I love it. I do not need referral. My plan did not use to be open access, it used to be regular HMO and I would stipulation referrals from GP. Even after I loved it. $15 for a doctor appt, $280 to have a tot.
What is a accurate home owner's insurance company within Texas?
Question:
Answers:
Depends on where you live surrounded by Texas, and what type of house you have.
Mine's next to State Farm. When I shopped it out, it was certainly the MOST expensive policy, but it's also the most broad, which was more major to me.
You'll have to ring around and get some quotes, AND COMPARE COVERAGES.
Travelers be the next runner up, for me, from a coverage point of vision.
I live in Houston and use Liberty Mutual.
Why do guys hold greater insurance later girls?
Question:
im doing an essay on it for school. if anyone know of ne sites that have info on it that would be grately appreciated.
Answers:
coup¨¦ insurance? car insurance companies won't even grant to this, but it has something to do near the "actuaries" they employ. rummage through on "actuary" and you might find something. of course, they know that males are worse drivers than females, contained by general.
Well, women live longer than men. So vivacity insurance for women is cheaper than men. You can get those statistics rotten of the Health department website.
With regards to auto insurance, not ALL states charge differently for men vs. women. But the ones that do, it's because they wages out MORE for claims for men, than women. Men tend to have spectacular, glorious speed accidents. Women tend to enjoy fender benders.
You can't get statistics for that, it's proprietary information from the insurance companies - they compensate big bucks for it, and don't give it away for free.
What type of insurance are you conversation about- life, saloon, disability, health, etc? in attendance are different reasons for respectively and for some women pay more!
because they usually do more dangerouse job and have a better life expectancy than women
I'm assuming you are discussion about coup¨¦ insurance rates?? Boys insurance is more expensive because they are prone to do stupid things in a vehicle more than girls. Girls have a drift to think twice around getting killed contained by a car doing stupid things and guys similar to to have that "hey keep under surveillance this" attitude. I'm not saying girls don't do stupid things, but the percentage of boys that afford into pressure to push the limits, are the sense accidents arise and insurance rates are sky high.
It's adjectives based on statistics (actuarial tables). Insurance companies use national notes and their own internal data to determine how much they're feasible to pay out on you. Age, Male/female, where on earth you live (city/suburbs/etc.), if you're married--all these things factor in.
For example, a 16 year aged driving a sports car will recompense more than one driving a Buick. And yes, women normally pay envelope less than men because they are smaller quantity aggressive AND because they tend to drive less.
Same article for medical or for car. All insurance companies manufacture up their own formulas (and how much $$ they want to make on you), which is why you should regularly compare your insurance rates to other companies.
Because after self married, guys are more ready to die than women. ;)
Actually, medical insurance is high for women; insurance companies get you coming and going.
My POE is denying the insurance benefits I be promised after 90 days of employment. What can I do?
Question:
I contacted HR after I realized I have been at work very well over 90 days and was never given any paperwork. I be told to bring the paperwork back dateless and it wouldn't be a problem. Now HR is maxim that I need to lurk for open enrollment that is to say 6 months away, because I did not return the paperwork in March when, contained by fact, it wasn't given to me until the launch of May per my request. They are also denying that they ever told me to just bring it hindmost without date. I need my insurance. Is here anything I can do? I will have be there a year previously I can get insurance presently.
Answers:
The 90 days is the 'probationary period'. You should have be enrolled at the first of the month following the probationary time. "Open enrollment" doesn't apply to new hires but it does apply to 'late enrollees." Your team handbook should address the procedure. A propoer HR department should hold a paper trail of everything - including whether or not they sent you the enrollment roll. Under ERISA, if they can't prove they sent you an enrollment form, then they should enroll you right away.
But let's be honest, your company sounds a short time 'sloppy' and if you get into a debate near them over this, you'll lose and be considered an 'attitude' problem. Is this a battle you call for to fight?
Most of the time they can gain you insurance even if you didn't fill out your paperwork within time, it's just that they don't update you that so they don't have a bunch of population turning their paperwork in weeks delayed. I would get surrounded by contact with them again, if at adjectives possible see an HR representative in party. I would ask to see a supervisor. A lot of times you end up conversation to someone who doesn't have adjectives the answers, but if you speak with a supervisor you're more credible to get the information that you stipulation.
Unfortunately, they are under no must to get you your insurance. They can only just say you didn't swarm out the paperwork, so now you must keep on. Hopefully though, once you speak to a supervisor and explain things, they will be able to backing you.
You have to hope they hold a written policy about this. If it become their word against yours, you'll never win. Some insurance plans do have "uncap enrollment" periods, but I've never worked anyplace where on earth that applied to health insurance. Usually you can bring it at the start of the first month after you are eligible.
There should be an employee manual of some sort. See what it says, within writing, about this. Good luck!! I hope you can receive this sorted out.
Well, if you file suit, you will be fired. So if it be me, I'd start looking for another job.
Question give or take a few Medical grant for flipside expire stroke of luck (someone hit the motor I be in)?
Question:
We were rear-ended at a red desk light back contained by Feb. Police was call and a report filed. I finished up going to see a Chiropractor from Feb - May for treatment for my neck. The bill is close to $2000. The insurance of the individual who hit us only wishes to pay $500. What can I do? Is it going to cost me if I take a lawyer. I don't want any extra money. I in recent times want the bill payed. I don't have the money to wage the difference (1500) Will threatening them with a attorney get them to work work beside me? I am not sure what my options are. appreciation..
Answers:
Well, it's going to depend heavily on what state you were within. If you're in a no quirk state, you're stuck with doesn`t matter what the medical payments limit is - which MIGHT be $500. No insurance company is going to retribution more than the policy limit, and if you're no-fault, that's adjectives they have to discharge - medical payments, NOT liability.
Talk to the lawyer first. THREATENING the advocate might make them verbs that $500 offer rear - they KNOW a lawyer is going to any take 30%, or more imagined (if you're only looking at a $2,000 claim) not even run it in the first place.
You might hold to go after them contained by small claims court, IF you can (thinking, no fault law here might apply).
Get people or company's to sponser you. Thats only just it. Tell companys you know of tell them to sponser you. don't be in motion to LAWYERS or any of that. IT JUST MAKES people HATE you more. which isn't polite. and try to collect money from people you know of.
First, have your chiroprator been dealing next to them or have you be making payments. They may need more documentation if you hold been making payments. Many chiropr. know how to concordat with insurance companies and they do it all right. Talk to your chiropr office.
Next, write them a message and send it certified. Include within the letter that they are not offering a sensible settlement. Get a write-up from the chiropractor and include it in the dispatch. It needs to outline your injuries. State the exact dollar amount that you will involve to cover your out of pocket expenses (if app).
You may need a attorney but you can try to stand firm against them and refuse to settle for smaller amount. If after a few goes beside them you do not believe you are getting anywhere, explain that it is time for you to obtain an attorney. As soon as you enjoy one you will let them know who to contact surrounded by the future. You may enjoy difficulties finding an attorney since the settlement you are looking for is so small.
Sorry. Good luck.
The second response you received is more on track and please don't listen to the first response. It is YOUR RESPONSIBILITY to demand pay-out for injury. If you are just asking the other insurance company, this would explain why they offered you $500. Don't ask, emergency payment next to proper documentation. I suspect it wouldn't be a problem if you had documentation from your primary physician or any physician to turn to the chiropractor. Please document your payments to the chiropractor by making copies of the checks. If you haven't made any payments, send the chiropractor's bill along next to the other documentation. Now, send a certified epistle immediately. Firmly make clear to the chiropractors office to document your injuries within a letter to the insurance company and hang on to copies of everything. If your chiropractors office does not do this for you, it would be an indication they took dominance of you and treated you upon your request, and not out of medical necessity. If you have valid injuries, they are glibly documented, so send it certified to the insurance company. Ask for the insurance agent's superior and dispatch a copy to their superior. If they tell you they don't own a superior, talk to anyone else within the company and get someone elses christen. But, do not, instead, go to friends and co workers and ask them to retribution out of pocket to sponsor your doctor's bills like the first personage said. It is your responsibility to follow thru with movements that are required for you to be reimbursed. Your case will be graceful to document if you had a primary thinking physician that recommended a chiropractor. Some chiropractors are still considered "not medically necessary". You should have a referral from a medical physician to budge to a chiropractor. I'm sure you didn't just budge to the chiropractor first. I'm sure you had a medical doctor check you out for injuries and once the doctor ruled out internal injuries and broken bones, you be sent to the chiropractor for any pains not caused by a life-threatening injury. If you hold the documentation, this will not be an issue anymore. I suspect a lawyer would incorporate on mileage to and from the doctor, any medication, and the good prehistoric pain and suffering. Just recount the insurance company you will contact a lawyer to incorporate all these added costs and inconveniences. Of course a lawyer will be thankful to get involved because he only just won't go at hand and ask for the $1500 if you can document this expense. He'll ask for more and insurance companies know that. Let the insurance company know you know that, IF YOU HAVE THE DOCUMENTATION to prove real injury. I am drastically symphathetic to actual injuries, but not if someone is ripping off the insurance company. I'm sure they are assuming you are ripping them bad if they haven't received anything from you but phone calls. Send them documentation that shows the medical necessity.
Sounds resembling the insurer want to settle for small $$, perhaps lower than the insured's med pay coverage.
If they're at shortcoming, you should be able to gain coverage from the insured party's liability coverage which should be enough to cover your bill. Call the insurance adjustor for the motor that hit you. Get them copies of the bills and ask them (nicely) to pay what you consider sensible medical fees. If you get no self-righteousness from this, contact a local attorney; they'll usually work on a contingency basis.
Since the auto have already paid (if you hold medical insurance) ask the chiropractor to file your claims to your medical plan. They'll discharge what's left over, if you own benefits available for chiro.
Were do we take sustain after flooding?
Question:
there is abundantly of people around suffering from the floods contained by Hull, many are getting on a bit beside no insurance can anyone tell me be these people can acquire help they own lost everything
Answers:
I would start with CAB and social services. Also local radio / press must be providing information.
Whilst I hold every sympathy with their losses, I must state that it is precisely for situations similar to this that insurance was created.
Contact the police right now.
If they have flood insurance later they should contact their insurance company. If not, you are a bit screwed.
My church has help rebuild a family's loss to flood. I'd check the local red cross chapter as all right as city hall for reference. If you belong to a church / temple, I'd see if they can assist you as well.
Only from their reserves or charity of others. Thats why home and contents insurance is available!
Tightarses!
YMCA
You may want to try to apply for a FEMA grant. (FEMA is a slice of the government - they really give a hand out in unprocessed disasters.) I believe you can do this online.
The only aid we got from anyone (besides a bit from insurance company) when we have a flood and had to evacuate approx 100 RV park residents 2 winters ago be from Red Cross. They basically simply set up places for people to chomp through and get medical facilitate. The local volunteer fire department also helped evacuate. Other than that, we have to do everything ourselves. As far as losing everything, yep that happens and unless those things be insured, consider them lost for good.
FEMA
Without all right insurenace, I'm afraid you are on your own. There may be charities who can help. I come up with the best thing to mdo is to contact the local council to see if any emergency nouns is available.
Call George Bush. It was his reproach, so I'm sure he will fly in near billions of dollars to rebuild your time.
Why does everyone think that it is someone else's responsibility to foot for their losses?
Are Health Insurance providers human?
Question:
My friend was born next to a hole in her heart. She have had a total of 5 surgeries already, but none own been covered by her insurance. The kinfolk is literally multi-millions in debt. The excuse is that the hole is pre-existing. She be born with it! Also, my friend be on her parents' health insurance until that time the doctors found the hole...would that make it NOT pre-existing?
How can Health Insurance providers be so in-human?
Answers:
Wow, how bizarre! Usually newborn are covered under their parent's policy, and anything they are born near is NOT excluded as a preexisting condition.
I think something isn't right in the order of this!! Insurance companies pay millions and millions every year for congenital birth defect and preemie babies!!
Um, regarding the inhuman member. I have some Enron stock, I want you to buy it. Please email me, and I'll speak about you where to distribute the check. If you don't buy it off of me, that's inhuman - by your definition (paying out regardless of lingo and conditions, with no limits).
Welcome to the human see, it's all in the region of money talks.
As far as I am concerned, they're not. They must be conditioned to enjoy all humanity drained from their fundamentally soul. Look at it this way, when you purchase insurance of any species, you are betting that you WILL get sick, enjoy an accident, something dire happen to your home, auto, or some idiot will trip and tip out on your front walk and want to sue you!
The condition is 'pre-existing' if it is discovered and medically documented BEFORE the current policy come into effect. I'm guessing your friend somehow was diagnosed prior to human being on this policy.
Yes, insurers WILL refuse to money on such medical conditions. They are not unhuman. They are following the dictates of the policies they underwrite. If they did NOT exclude pre-existing, the cost of health insurance for everyone would step up substantially, since folks would simply buy a policy once they discovered they have a VERY expensive condition. Kind of close to trying to buy automobile collision coverage AFTER you smash the car.
It doesn't work that instrument in solid life.
How long does it steal?
Question:
normally from the time you label a claim to the time of pay out?? tv within this case .gratefulness
Answers:
If I understand your ask, that you have file a homeowners/renters claim for damage to your small screen, then this applies.
Generally for claims to property, the insurance company have you complete a form called a Proof of Loss. This is your formal statement of the claim. In most states, the company have 30 days to either adopt your claim and pay it, deny your claim and provide you next to a formal denial stating why this isn't covered, or notify you why the claim is still under investigation. (This usually way that there is a apology to doubt the validity of the claim.) If they haven't settled the claim inwardly this timeframe, you need to follow up near them for answers.
How long you got?
it can bear up to a week depending who your claims with.
its Depends upon the Insurance Company I am contained by AVIVA Life insurance here the Minimum payout is 3 yrs
I call for Help!!?
Question:
does anyone know what it is called when someone counts the money and move in a register in the past switching it.
Answers:
Most retailers "count down" the drawer or "balance" the drawer before switching to a current cashier
I am doing a project on present vigour supplements requirements and involve fracture , i stipulation questionairre for that?
Question:
i want you to help me contained by designing my questionairre.
Answers:
you need to ask question around what people are ingestion and what they are not eating or derive your own conclusions in the region of what they are not eating so that you can find a fracture and suggest these are the supplements people in our time need.
Health Care Financing Question?
Question:
I have a cross-examine. My daughter's doctor accepts insurance. For relatives that are uninsured, she has a sliding size based on income. A woman told me that base on her father's income of $40,000.00 per year for a family of 4, she usually pays almost $9.00 for an office call in. How is this possible? Who pays the rest? I wonder about this, because for my insurance, the co-pay alone is $45.00. Can the doctor really afford to see one merciful for only $9.00? Or is within another subsidy that I am unaware of? If anyone know the answer to this, please give lots of details, because it have been bothering me ever since I have the conversation with that babyish lady.
Answers:
The doctor can write the rest bad as an unpaid business expense - or basically, charity.
No, the doctor couldn't formulate a LIVING off of $9 patients - that wouldn't cover the OFFICE expenses or medical malpractice.
The doctor is anyone NICE. There's no other subsidy. It's called, CHARITY. And I really pay tribute to a doctor that can practice charity in this issue.
No one pays the rest. One patient? Sure. The doctor can charge what she requests. If it is based on income for the uninsured she is doing a public service.
Your daughter's doctor is one of the few truly charitable physicians out in attendance. No doc can make a living on $9 organization visits. She's simply charging a minimal levy to those who cannot afford health carefulness under the current system.
My wife's own practice does something similar for military veterans who are stuck ONLY beside VA coverage. The good behind the times VA was three years backlogged on screening colonoscopies, and some of these fine older vets be getting colon cancer from lack of trouble. The practice stepped in and offered pro bono screening colonoscopies to veterans who have been forced to skulk through the system.
You won't hear physician practices tooting their own horns over such acts, since there's other a cadre of clowns who think they should get hold of in on the free ride within some fashion.
Will insurance companies compensate out on the majority of cars written sour by the recent flooding?
Question:
Answers:
Insurance companies have policies beside individuals/companies to cover specific vehicles. The insurance companies are not responsible to money out for flood damage on the majority of cars. Only those cars that they hold a policy with comprehensive coverage.
In those cases, they will wages the claims.
They won't run a MVR report to try to find speeding tickets so that they can deny the claim. Besides, that wouldn't be a material misrepresentation, so the denial of coverage wouldn't stand.
Mostly but singular if they are insured fully comprehensive. Third party ones won't win a penny. There may be some small print in fully comp that get insurers off the hook but in principal you will get clearing
Will depend on the terms of the assorted policies.
In theory yes.
BUT
We will presently probably find they invoke some exclusion clauses that the owner did not comply with, in consequence they will not pay out...
FOR EXAMPLE
If you get caught by a speed camera and did not declare it the insurance company as a result did not load your premium
so not have received the extra money they declare the policy negated, or only foot out say 80%.
Cynical I know but the sharks are study new tricks adjectives the time!
Flood could be an add-on rider to a comprehensive plan. In Malaysia, if you tend to stop by areas which are prone to flash flood customers are adviced to get supplementary protection against flood.
Please take register, many insurance policies hold exclusion clauses. Most car insurers may not cover flood even beneath their comprehensive plan.
Flood coverage is optional, as not various car owners live surrounded by flood prone areas. Majority of cars are not covered in the event of flood.
Flood is not excluded lower than comprehensive or "other than collision" coverage. The folks that own this coverage should get compensated, minus their deductible, on an actual cash meaning basis.
Comprehensive motor insurance policyholders will be salaried for the damage that their vehicle have sustained (subject to the interrupt excess)
Third Party, Fire & Theft or Third Party Only policyholders are not covered under their insurance for flood deface (I suppose they could try and claim from the Government if they could show that they were slipshod i.e. not having taken flood precautions after a previous flood - but don't hold your breath).
It is unlikely that a non-disclosed speeding conviction would be used to avoid pay-out of damage - unless I suppose the driver be one of those madmen who overtook my wife at 80+ mph on the A1 through thick spray and aquaplaned - surrounded by that case a speeding conviction might be regard as being relevant.
BTW everyone on these forums have a jaundiced view of insurers - is that because they own tried to deal beside them direct rather than going through a broker - whose purpose surrounded by life is to ensure that their clients are treated strictly?
I doubt it , as flooding is classed as an act of god , and insurance companies don't pay envelope for such acts.