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Working Families Tax Relief Act
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...- somarco
- Thread
- Replies: 4
- Forum: Health Insurance and HMO Plans
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Prescriptions and parents insurance
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.- somarco
- Post #2
- Forum: Health Insurance and HMO Plans
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unpaid insurance premiums
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.- somarco
- Post #3
- Forum: Health Insurance and HMO Plans
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Alico
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...- somarco
- Post #4
- Forum: Life Insurance & Annuities
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30k ER bill a little too outrageous right?
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.- somarco
- Post #5
- Forum: Health Insurance and HMO Plans
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My HMO is bilking me!
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.- somarco
- Post #3
- Forum: Health Insurance and HMO Plans
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fraud or just not nice?
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...- somarco
- Post #6
- Forum: Health Insurance and HMO Plans
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Alico
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...- somarco
- Post #2
- Forum: Life Insurance & Annuities
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fraud or just not nice?
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...- somarco
- Post #4
- Forum: Health Insurance and HMO Plans
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pre-existing condition?
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...- somarco
- Post #2
- Forum: Health Insurance and HMO Plans
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Dental Bill Dilema, Please Help!
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.- somarco
- Post #2
- Forum: Health Insurance and HMO Plans
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Mentally ill and a drug addict
This may be of help too- somarco
- Post #10
- Forum: Disability & Long Term Care Insurance
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Mentally ill and a drug addict
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...- somarco
- Post #9
- Forum: Disability & Long Term Care Insurance
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payment on insurance perium refused
Is this a supplemental plan? Most plans through H&W are paid for via the hour bank and payroll deduction.- somarco
- Post #4
- Forum: Life Insurance & Annuities
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payment on insurance perium refused
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...- somarco
- Post #2
- Forum: Life Insurance & Annuities
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odd or standard for companies to require bloodwk before granting group health insur?
Your COBRA + earlier coverage should count on getting you by the pre-ex issues if this is a HIPAA plan . . . but it may not be. Asking for a specimen, asking health questions, are indicative of something other than what normally passes for "true" group insurance. Is everyone asked to provide E...- somarco
- Post #6
- Forum: Health Insurance and HMO Plans
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odd or standard for companies to require bloodwk before granting group health insur?
E of I = Evidence of Insurability- somarco
- Post #4
- Forum: Health Insurance and HMO Plans
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Health insurance primacy
Double coverage is (usually) an added expense with very little added value. If both you and spouse have fully paid coverage by employer you MAY see some benefit. "Hiding" the coverage from your employer(s) is foolish. COB will pay most, if not all of the claims. As cbg indicated, Cigna will...- somarco
- Post #6
- Forum: Health Insurance and HMO Plans
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Mentally ill and a drug addict
Signed up for what kind of disability? Public or private? Do you have an insured disability plan and you are making a claim? Do you have health insurance? If you dont have either (health insurance or disability insurance) the chances of a carrier issuing either (outside of a group insurance...- somarco
- Post #5
- Forum: Disability & Long Term Care Insurance
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Health insurance primacy
Two questions come to mind . . . Why do you carry dual coverage? Why did you refuse to disclose your wifes coverage?- somarco
- Post #4
- Forum: Health Insurance and HMO Plans
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