can i legally be covered by two medical insurance policies?
485759
Yes you can, that's why doctors offices usually ask if you have any other insurance.
1133184
I agree that more information about your current and previous condition will make it easier to explore health insurance possibilities. If you live in the United States and were part of a group health plan, you might be able to take advantage of protections offered by the 1996 Health Insurance Portability and Accountability Act (HIPAA). If you were part of a group health plan in the past two months, then a new health plan may not be able to deny you coverage because of your illness. Further, any time you were under the old group plan will be deducted from a new plan’s waiting period.\n\nHIPAA also limits how far back an insurance company can look-back for a pre-existing condition, in most cases. They shouldn’t deny you coverage because of a hospitalization five years ago. You might want to look into high-risk insurance pools – where people who have been denied coverage band together to get breaks on health insurance.\n\nThe best way to find the answers you need is to talk with local qualified health insurance agents. Chances are, they’ve fielded the questions you have about insurance and have helped people in your exact situation. MostChoice.com is an excellent way to reach state-licensed agents in your area. There’s no cost or obligation to you, and you can also look at health plans and prices from companies like Blue Cross Blue Shield, Humana, and Aetna. \n\nYou can find it here: http://www.mostchoice.com/health-insurance.cfm\n\nGood luck,\n\nBarnes@MostChoice.com
137234
first obvious question is are u insured?
440144
Yes, they can. Sometimes one employee earns more if they opt out of using the company medical benefits and such when another employee doesn't opt out. Essentially, the company is paying out the same for both employees, only one employee sees the added money on their paycheck while the other employee, using the medical benefits, doesn't.
938030
yes they can.and its not just life insurance.i had a payment protection insurance.witch said it cover me for when i fall ill.and can not pay my credit card bills.But when i was ill.they look at the smallest detail.of my medical record.and refuse to pay because.i did not tell then that i was at the hospital 20 years ago.that i forgot about.that's what insurance companies are like take your money for years.and when its time to pay out they will find fault.with your claim so watch out.when you are filling out your insurance froms.one small thing wrong and they will not pay you so be careful.what you put on not put on the from.
8348
Yes they can and they do. Most of the times, the doctors office calls the insurance companies to verify insurance and to make sure the particular treatment you are getting done is covered. They also make you sign documents that if the insurance does not pay, you are liable to pay, and they make sure you do. They can even have collection agency on you to recover if you do not pay.
250227
One way would be to set yourself up with a General Agent. I use Bisys for this. Go to www.bisysinsurance.com for more info.
664322
A couple of things.  You dont need multiple policies, one will do.  The policies allow you to designate beneficiaries, and also you are able to designate percentages to each.\n\nIf you want to control how the money is used, have a trust setup so that if you died, the insurance proceeds would go to the trust and the trust would distribute proceeds according to your pre-established desire. You pick who you want to be the trustee of the money...someone you trust would spend money according to your wishes..it could be a friend, family member, or outside independent source.\n\nThat would keep the money out of everyone's hands.
1015341
You can't possibly find that out unless you come across the paperwork for the policies or payments made to an insurance company. Good luck.
1046643
Any legal questions should really be put to an attorney to answer. But my understanding is that you should double check your homeowners policy for coverage, most insurances do cover accidents that occur on your premises. Look into Tort Laws regarding private property also and then you could find out for yourself what kind, if any, liability you may or may not be responsible for in your own state. Also you should check the records of the home where your grandfather is placed to make sure by their policy and the family's that you can take him... Do NOT accept the word of the nurse who may know nothing regarding the policy that may be enforce regarding him personally. She has his best interest at heart in wanting him to have family time., but you should be sure
900142
Yes, any company will sell it to you.  If they are minors, the legal guardians will have to sign off on the application.  If they are 18, THEY will have to sign off on the application, AND release their medical records to the companies, and have blood tests. \n\nANY company will sell you a policy.  Look in your yellow pages and call a few agents.
873797
YES, but my health insurance will no longer cover it!
1143174
Did you have health insurance through work and then left the job, or did a personal policy expire? If you had insurance through work, then you have 63 days to get a new job with health insurance. If you do, then the Health Insurance Portability and Accountability Act (HIPAA) protects you and you can’t be denied coverage from a group health plan, and the length of time you have to wait for epilepsy coverage is reduced, depending on the amount of time you were previously insured.\n\nOn the state law, side, contact your state insurance department to see what kind of legal protection you have there (link below).\n\nI did a quick search for epilepsy support programs at Needy Meds that help with medical costs and could only find two (New Jersey and Central Florida).  The link’s below. Also, it seems that there are epilepsy organizations in about every state, so just do a search.\n\nYou should probably record your history of epilepsy. Some insurance companies weigh the frequency and severity of seizures when deciding to accept applicants who have epilepsy. Also, if you haven’t had an attack in a while, that could make it easier, too. Also, if your seizures are controlled, that could make insurance easier to obtain and less expensive. If you are looking for a personal policy, you should talk with local health insurance agents. MostChoice.com is a good place to start. There’s not cost or obligation to buy insurance. You just fill out a short form, review online quotes from local health plans, and state-licensed agents should contact you within 48 hours. Tell them about your situation, and let them do the legwork. If you like what one of them comes back with, then buy the policy. If you’re not happy with what an agent is offering, then move on.\n\nYou can find it here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes@MostChoice
369892
I would check with the state you live in. For example my state (NY) has a plan called healthy NY for working people that have no insurance at reasonable rates. Go to your state's website to check.
322800
You need to contact your insurance company.  The answer to this is state specific.  It will depend on whether you are in a "no fault" state or not.  Also if you are at fault or even partially at fault.  Also, what coverages you carry on your policy.\n\nIn Connecticut, there is no "no fault" coverage.  If you're at fault, you need to be carrying medical payments coverage to pay for any medical bills related to the acident, including prescriptions.  If you're not at fault, then you can collect reimbursement from the other person's insurance.
842293
Hey Friend,\nI think you need a new lawyer or you need to talk plainly to the one you have.. Ask him these questions..I'm not a lawyer, but , an insurance  company insures a person for a certain amount..  ie.. my policy is a 1/3/1 policy 100,000 in liability 300,000 in bodily injury 100,000 in property damage. So as I understand it If I hit you and it's my fault then you could get a maximum of 300,000 in bodily injury.  My agent tells me that this is what I should have and that it is more than the state mandated minimum.  So it sounds like your injuries and damages exceed whatever your or the other persons insurance will cover. If it we're the other persons fault you could sue them for the amount over what their insurance will cover.  In your circumstance there is no one to sue. So look at your policy and whatever your limits of coverage are is what you can get.  NOW if the lawyer is on the pay of your insurance company you REALLY need a second opinion from someone not affiliated with your insurance company.  Good luck.\nKeith
902777
it reallsy depends on the policy of the hospital..\n\nthe med coverge you mentioned is insurance right?\nif the med claim consist of worldwide coverage, then no reasons why the hospital do not accept.. did he talked to the insurance company?? get the company to expediate the process then and discuss with the insurance ..what about travel insurance??\notherwise, talk to the embassy or consulate...see if they can do a negotiation.. \nis the illness occurs due to or during work.. the company should be helping him. did he talk to company management.?? why was him in Nigeria??if he was sent there by a UK or US company.. why don't he contact the head office or something??