Recent content by somarco

What is the name of your state?GA This is directed at anyone, but cbq seems to be the resident "guru" on flex admin so I would appreciate your input. I have read (what appears to be) conflicting and confusing summations of the WFTRA and it's impact on flex plans. My specific question addresses...

There is a chance one (or more) EOB's will show up in your parents mailbox. One showing the Rx was paid, the other showing the charge reversed.

In addition to the other issues, I believe witholding pay for insurance premiums, then failing to remit those funds to the carrier, brings the state DOL into the picture.

Things may be different in UAE, but I suspect you were given an NAIC approved illustration that shows the surrender charges. You also should have signed one (or more) disclosure forms indicating you were aware of surrender charges. The policy you received also states the terms of an early...

Billing health insurance for something that should rightly be paid by another insurer (auto) is highly inappropriate. Did I miss something? Fiance' does not have health insurance (which is of course irresponsible). Even if a health carrier was involved subrogation would address that issue.

Sounds like you need to go to the doctor every month whether you need to or not. Might even plan a few trips to the ER just for good measure.

he is required to pay for their dental insurance That is not what I addressed. Divorce decree or not, are the children considered ELIGIBLE DEPENDENTS under his dental plan? I dont understand why this concept is so difficult to grasp. Beyond that, if you want to continue paying the dentist...

If your contract states the surrender charge is 100% for the first 5 years then if you cancel now you will not receive a return of premiums. If you feel you were defrauded by the individual selling the contract, that is another story. AIG and Enron are two entirely different issues and there is...

For starters, are you children eligible dependents under your ex's dental plan? Many employer sponsored plans are redefining and auditing plans to make sure coverage is not being provided on ineligible dependents. Here in GA, Delta completed an audit and gave thousands of "illegal" dependents...

If your BX plan is an individual policy, when you move to another state you will have to drop that coverage and pick up something new. If it is a group plan and you leave employment (or become ineligible due to reduced hours) you may have the option of converting to COBRA. If you elect COBRA...

The dental insurance is your plan. Understanding your benefits is your responsibility. Waiting periods for major procedures are (usually) very clearly spelled out in your plan document. The work was done. You owe the dentist.

This may be of help too

The defintion of disability under Social Security is different than other programs. Social Security pays only for total disability. No benefits are payable for partial disability or for short-term disability. Disability under Social Security is based on your inability to work. We consider you...

Is this a supplemental plan? Most plans through H&W are paid for via the hour bank and payroll deduction.

The grace period (usually 30 days) is spelled out in the contract. In addition, it would appear the carrier gave sufficient notice to keep the plan in force. They also agreed to reinstate the policy despite the obvious change in health of the policy holder. (Whether it was obvious to the carrier...