can someone tell me what the definition of renewing a short-term health insurance policy is really referring..
922885
You are using short term insurance in the wrong way.\nIt is not really meant to be renewed but rather as a bridge between more permanent employer-sponsored plans.\nIf you need to do this however, you may be better off signing up for a new policy with a new insurer that takes effect the day after the old one expires.  That way you solve this problem.
761574
Yes you can but, why would you renew it that early then the new renewal will only be good for 1yr from the renewal date. So you would lose 46days of the renewal. Just keep it until 1-2days left then renew it then you get a full 1yr renewal..Thanks
1118842
An amusing semantic prank... It's right up there with "Doctors practice medicine until they get it right, then they retire."\n\nYou're actually confounding two distinctly different meanings of the word practice: one, repeating until something is learned and gotten right (which is how you are using the word), and the other, applying an art or science that has been mastered (the meaning of the word when you speak of a physician or a lawyer practicing their trade).  Thus, in the intended meaning of the word, talking about a physician practicing, we stop practicing when we retire.  In the sense you're misunderstanding the phrase to mean, we usually are accorded as doing it for real when we graduate from our residency and begin applying our knowledge in the real world.\n\nGrin--as I said, an interesting play on the word "practice"  here...
1031508
I’d check out Consumer Reports (link below), America’s Health Plans (link below), and whatever other informational resources you can find. I’d also talk with locally licensed health insurance agents. I’ve also included a couple of articles about choosing a health plan that might be useful. They are government-authored, but they’re actually pretty good.\n\nAffordable can mean what you can pay month-to-month or what can help shield you from a really expensive illness or medical procedure. For example, I’ve spent money on health insurance for over 10 years and have had only two non-routine doctor visits. My sister, on the other hand, has unfortunately had to use her insurance a lot. The bad news is that insurance prices are increasing and fewer and fewer employers are offering it to their workers. The good news is that you have a lot more options in health insurance than you used to. Just remember that the more you pay monthly, the less you’ll pay out-of-pocket before the insurance company picks up the bill. And, of course, the less you pay monthly, the more you’ll pay before the insurance company helps you out.\n\nTwo new plans aimed at twentysomethings are popular right now – but you don’t have to be in that age group to join. They are “Tonik” from Blue Cross Blue Shield and “Sound” from UniCare. They have low premiums and high deductibles, but they can also include dental and vision for a relatively low amount of money. Regular doctor visits are also included. In less than two years, Tonik has become the second most popular BCBS health plan in California. The only problem is that they are not available nationwide yet.\n\nYou should try visiting MostChoice.com. It’s a Web site that helps you shop for health insurance. They have free instant price quotes and policy information on health plans near you, but their specialty is getting you in touch with state-licensed agents. There’s no cost or obligation to buy insurance. You just fill out a short form and wait for the agents to contact you (within 48 hours). Have your questions ready and let them work until one of them delivers the plan that’s right for you. You might want to have a set amount you want to spend each month on insurance and tell the agents to work within those parameters.\n\nYou can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice
853039
There is a new federal law, but it relates to "janitor insurance" -- life insurance for which the employer was the main beneficiary.\n\nAs for health insurance: you can usually declare one policy "secondary" to another. But you have to take the initiative. I have done that with household cover because I have both homeowners and renters and the renters policy is better. I forced the agent to get a letter from the household company acknowledging that the policy was secondary.\n\nNo reduction in premium, but it avoide the problem of co-insurance, deductibles, absence of new-for-old and other stuff that the forced insurance didn't offer but the renters policy did.\n\nOn health, I have FEHBP (government employee/retiree insurance) so I have to watch out for the same sort of issue, but I haven't had to demand acknowledgment of secondary cover yet. My "other" cover is national health service (UK), and that doesn't count.
506351
Term: Known as "pure" type of insurance such as car insurance. It offers maximum coverage available for low amount of premium. People buying term know that they do not need life insurance forever because they have less financial obligations to pay off (like mortgages, kids) as they get older. People should consider investing in mutual funds when purchasing term.\n\nCash value: A savings plan attached to a life insurance policy. Also known as whole life, universal life, or variable life. A portion of your premium is going into your cash value and the rest into your insurance. When you decide to use it, you have to borrow it and pay back with interest (keep in mind, interest is kept by the company.. it is not applied to the cash value). Cash value are not good investment vehicles for retirement or for education because they earn an average rate of return of less than 3%.\n\nFinancial experts say you should keep investments separate from insurance because it is less expensive that way and you have better control of your finances.
767218
Unless there is some kind of fraud involved, contracts that "auto-renew" are perfectly legit.  Contractual terms can be basically anything that the parties want them to be, and if those terms include a provision for automatic renewal, you got it.
793842
Well, it doesn't exactly work that way.  The life policies commonly sold to babies, that you pay on for their whole life, are called Whole Life policies.  They are usually a BAD buy.  It usually pays out $2,000 towards funeral benefits, and when they turn 18, you can increase the policy to $25,000 or so (with an increase in cost) without having to prove insurability. \n\nIt was a good deal for my brother, a type 1 diabetic, because that was the only way he'd get coverage except through an employer.  For the most part, however, it's a rotten deal.\n\nFor less than that, maybe $100 a year (2/3 the price) you can buy a 20 year term life insurance policy that will pay $100,000 upon death, you can renew that for another 20 years for about $125 a year.    Just make sure the policy you get is renewable and convertible.
241958
Short Term Disability as defined in insurance is normally\n\nShort Term: Any injury or illness which keeps you out of work over 30 days but not longer then 90-120 days\n\nLong Term: anything thereafter.\n\nThe terms and rules generally vary greatly by company and plan. Ive never seen any articles or standard rules on it.
934130
Check out health plans available through your college and see what students like you are doing about health insurance. If that doesn’t work, several major insurance companies have developed plans aimed at the so-called “young invincible” market – people in the 20’s. That’s a good thing since about a third of all recent college graduates don’t have health insurance. Two of the most prominent plans are from Blue Cross Blue Shield and UniCare. The BCBS plan is called the “Tonik Health Plan” and was originally developed in California, but is expected to expand rapidly. It features low premiums ($70-$135) and high deductibles ($1,500-$5,000). Another plan for men and women in your age group is from UniCare. Again, it started in Texas but is supposed to branch out to other parts of the country. It’s called “Sound” and has features similar to the BCBS plan.\n\nHealth plans differ in three basic ways:\n\n•monthly price/annual deductible\n•access to health care (the degree to which you can visit whom you like and undergo medical treatment a specialist thinks you need)\n•financial strength of the insurance company\n\nAlso, the price of a plan is not simply the premium you pay each month. You also have to consider the annual deductible, as well as any coinsurance amounts or copayments. Additionally, the savings you can achieve through an HMO, PPO, or other managed care plan can be erased if you have to go outside the network for expensive medical care. I’ve included links to two articles that do a good job of walking you through making the best possible choice in health insurance you can afford that still provides the coverage you need.\n\nYou might also want to look into short-term medical insurance. It doesn’t offer the same range of benefits as longer-term insurance, but many people get these kinds of plans when they’re in-between jobs. Typically, they last from a month to six months, although you can find short-term policies that last for a year. Short-term plans usually help pay for:\n\n•Hospital room and board\n•Ambulatory services\n•Intensive Care\n•Lab Exams\n•X-rays\n•Prescription medications\n\nThe Web has many different Web sites where you can compare and contrast local health plan prices and features. MostChoice.com is one such site, and you can also get in touch with local area agents without any obligation. Tell them what you want and what you want to pay and have them do the legwork for you.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
876334
Yes, the Democrats have "defaulted" their way back into power and you want them to give you affordable health care. HOW did they "default"?\n\n WHY can't you get health care from Bush? You have waited for the Democratic party to get back in and give you health care. I am confused. You are obviously in favor of Bush but he can't give you what is your right and need.\n\nI also think you are lying about your blood tests and doctor visit. There is no way in hell you were charged that much for what you said......."one doctor visit and 2 blood tests".
1075550
Do you mean health insurance/care?
392624
I'm always amazed reading answers from people who have no idea what they're talking about.\nIf you've had that policy for 20 years you'd be crazy to cash it in now.  You can never again buy a policy for what you are paying now because you are 20 years older.  It's good you have other insurances, but someday that term insurance is going to end.  The accidental insurance is only good while you're with that employer and if you die accidentally.  This policy will stay with you and the premium will never increase as long as you live.
674379
I doubt if you CAN, and that's one of the major problems with private health care. It's called a 'pre-existing condition' and most companies do not allow insurance payouts if a pre-exising condtion re-occurs.\n\nSOME companies MAY if you haven't had any treatments for a given duration (i.e. if you haven't been treated for or hospitalized for that condition for 6 months, for instance)\n\nBest thing to do is check around and find OUT.
825322
Healthcare fraud may take months or years to discover.  A policyholder who has a serious, costly medical condition & has relied on fraudulent coverage is not only without insurance, but now unable to purchase it on an existing (pre-existing) condition.  (Due to the customary exclusion of pre-existing conditions in all medical insurance).  This also typically means that other than qualifying for some form of group insurance, the individual can no longer purchase insurance at all, due to underwriting selection practices by the insurers.\n\nThe unpaid medical bills may lead to financial ruin, the inability to obtain replacement insurance may do the same.
253786
Just be careful when you choose a company. A lot of these \ninsurance companies have signed up people with the idea that it is just Medicare part D coverage. When in fact, the\nperson has signed up for a "Medicare Replacement policy".\nTrust me, you don't want that. You end up with paying more out of your own pocket for doctor visits and hospital stays.\nIt's really sad, because you think you're just getting the drug coverage.
459922
Generally speaking you can pick up individual coverage. Typically insurers will disallow coverage for pre-exisiting conditions UNLESS you have had coverage prior to applying for the new coverage.\n\nFind a health insurance broker near you to help. Policies are controlled by state law. I do not know what, if any, idiosyncracies exist in Cali.