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• 1. S

     employers health ins not sufficient..any advice

     At one time I felt that supp plans were a waste of money . . . but that has changed. Yes, there are supp policies out there not worth bringing home, but there are some good ones that dont cost an arm & leg. Examples would be: Lump sum critical illness. Policy pays a flat $10,000 - $50,000 on...

     • somarco
     • Post #4
     • Apr 21, 2005
     • Forum: Health Insurance and HMO Plans
  2. S

     Can mother in law buy insurance?

     And the MIL will answer " as a member of the family " CASE CLOSED. That seems like a weak response to me. Believe the carrier would want to know more details before allowing an in-law with no direct financial ties to the insured be a named beneficiary. jmho . . .

     • somarco
     • Post #6
     • Apr 21, 2005
     • Forum: Life Insurance & Annuities
  3. S

     i am liable?

     Go back and read the response by panzertanker. You are responsible. Your provider can (and will most likely) sue you, not the carrier. It will hurt your credit if you refuse to pay. Any questions?

     • somarco
     • Post #4
     • Apr 21, 2005
     • Forum: Health Insurance and HMO Plans
  4. S

     odd or standard for companies to require bloodwk before granting group health insur?

     What you may be offered is an individual policy or something that is not "true group". Such plans can require E of I which is usually not the case for true group plans. If you are a late entrant, even under a true group plan, the carrier can require E of I. Your employer is not making this...

     • somarco
     • Post #2
     • Apr 21, 2005
     • Forum: Health Insurance and HMO Plans
  5. S

     Can mother in law buy insurance?

     My question is can his new mother in law buy life insurance on him and put herself as beneficiary I will ask the same question the carrier will ask . . . where is the insurable interest on the part of the MIL?

     • somarco
     • Post #4
     • Apr 21, 2005
     • Forum: Life Insurance & Annuities
  6. S

     Insurance coverage cancelled

     First, shame on you for picking NASE. If you Google NASE or Mega life your eyes will catch on fire over the the flames this organization has endured for several years. Secondly, you cannot cancel your membership in NASE and keep your health insurance. The health insurance is only available to...

     • somarco
     • Post #6
     • Apr 20, 2005
     • Forum: Health Insurance and HMO Plans
  7. S

     Life Insurance and Bad Credit

     The answer to your final question is . . . it depends. Depends on which carrier you choose. Some carriers pull credit and use it to determine a risk rating, others will decline you. Depends on how much insurance you want. Low face amounts usually dont bring as much scrutiny as high face...

     • somarco
     • Post #2
     • Apr 19, 2005
     • Forum: Life Insurance & Annuities
  8. S

     Health ins didn't pay b/c hospital error

     You clearly state the problem is the way the hospital coded the bill, not the fault of the carrier. Oxendines office has no authority over hospital billing practices. That complaint was a waste of effort. Filing a complaint with the credit bureau is probably also a waste of time since you did...

     • somarco
     • Post #2
     • Apr 19, 2005
     • Forum: Health Insurance and HMO Plans
  9. S

     medical for international students

     My bad. Been too long since I have worked with fully insured group plans. Thx for the update.

     • somarco
     • Post #11
     • Apr 16, 2005
     • Forum: Health Insurance and HMO Plans
  10. S

      medical for international students

      The person in question is pregnant and has no insurance. Pregnancy automatically precludes (except in a handful of states and KS is not one of them) either the expectant female or her husband from obtaining individual plans. The pre-ex condition (pregnancy) will not be covered under a group...

      • somarco
      • Post #9
      • Apr 16, 2005
      • Forum: Health Insurance and HMO Plans
  11. S

      medical for international students

      A group plan through work will not cover any pre-ex, including the pregnancy. Plans through school are individual policies and we have already covered that topic.

      • somarco
      • Post #7
      • Apr 16, 2005
      • Forum: Health Insurance and HMO Plans
  12. S

      medical for international students

      Assurant writes ex-pats and foreign nationals.

      • somarco
      • Post #5
      • Apr 16, 2005
      • Forum: Health Insurance and HMO Plans
  13. S

      Self Insurance - Vague Summary of Benefits

      My doctor wants to send me to a Reproductive Endocrinologist that specializes in recurrent miscarriage to find out if I may have an autoimmune disorder, or to look for other problems that may be attacking the pregnancy after conception. I called the 3rd party administrator (confused by the...

      • somarco
      • Post #8
      • Apr 15, 2005
      • Forum: Health Insurance and HMO Plans
  14. S

      Additional Health Insurance

      For what it's worth, I thought the thread was dead a long time ago but apparently I (we) were wrong. Thanks for the support. Some folks just dont like the answer they get. Sure would make my life a lot simpler if . . .

      • somarco
      • Post #23
      • Apr 15, 2005
      • Forum: Health Insurance and HMO Plans
  15. S

      Additional Health Insurance

      You seem to be having some difficulty in separating parental responsibility and actions in a civil courtroom from benefits provided by an employer. There is no fraud in covering children that are legitimate dependents under an insurance contract. What part of this statement are you finding...

      • somarco
      • Post #21
      • Apr 15, 2005
      • Forum: Health Insurance and HMO Plans
  16. S

      Additional Health Insurance

      You (and your fiancee) might want to read your policy definitions. Several carriers in GA (my world) have been conducing audits to determine if they are covering illegal dependents (by comparing to contractual definitions). A major employer just completed an audit and found over 7,000 illegal...

      • somarco
      • Post #19
      • Apr 13, 2005
      • Forum: Health Insurance and HMO Plans
  17. S

      HMO Plan Discrimination?

      The new "designer" meds are usually no more effective than meds that have been around for a while. Ask your dermatologist if there is an older med that might work, or even a generic. These options are much less expensive than the new meds.

      • somarco
      • Post #6
      • Apr 13, 2005
      • Forum: Health Insurance and HMO Plans
  18. S

      HMO Plan Discrimination?

      Did you read the section under exclusions for cosmetic treatments? Without seeing your policy all I can do is guess. Many times adult acne is related to stress. Thats just a wag too but may provide a clue to appealing the claim. So how expensive is this acne med anyway?

      • somarco
      • Post #3
      • Apr 12, 2005
      • Forum: Health Insurance and HMO Plans
  19. S

      Misled by Insurance Comany

      Your closing statement concerns me. No one is denying coverage to your daughter . . . in fact, as I pointed out, HIPAA precludes such an event. You have options. Just not sure you have fully explored all of them. Now that you have more information you can look at other options.

      • somarco
      • Post #4
      • Apr 11, 2005
      • Forum: Health Insurance and HMO Plans
  20. S

      COBRA to conversion policy

      If it is a true conversion policy they will cover your pre-ex. Conversion plans are HIPAA qualified.

      • somarco
      • Post #2
      • Apr 10, 2005
      • Forum: Health Insurance and HMO Plans