I was just denied life insurance coverage due to a health history of malignant melanoma = 10 years ago, 2 squamous cell carcinoma's = 5 years ago, and 3 displastic nevi removed 6 months ago by my dermatologist. I get skin exams whenever I see anything suspicious. I take all the necessary precasions. I am almost 45 years old; fair complected, and a female.
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Well, there are two answers. You're looking for standard rates. Once you have a malignant melanoma, you no longer QUALIFY for standard rates - the odds are just MUCH higher that you won't live as long as someone who hasn't had any melanoma. The second answer is, if price is no object, you CAN buy life insurance. You need to talk to a high risk life agent in your area. You're just going to pay through the nose for it - maybe even close to payout value.
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Tuesday, November 16, 2010
Is there health insurance available for someone whose company does not offer its employees health insurance?
My son works for a construction company that is family owned & does not offer health insurance to its employees. Is there a group he can join to obtain some type of coverage?
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He can start calling different insurance companies for quotes. They offer insurance to individuals.
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He can start calling different insurance companies for quotes. They offer insurance to individuals.
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What questions do I need to ask when buying health insurance?
I am 36, female. For those of you who have experience on health insurance. What items do I need to make sure covered? And any conditions I need to check? Thank you!
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You need to talk to an insurance agent directly for this. If you go online and get quotes, you will not know if the policy you buy is right for you. An agent will ask you questions regarding your health, types of treatment, any problems finding a specific policy for your needs and what costs you can afford to spend. Also if you have problems later with filing claims or other questions, you can call the agent for advice. good luck
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You need to talk to an insurance agent directly for this. If you go online and get quotes, you will not know if the policy you buy is right for you. An agent will ask you questions regarding your health, types of treatment, any problems finding a specific policy for your needs and what costs you can afford to spend. Also if you have problems later with filing claims or other questions, you can call the agent for advice. good luck
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Can a health insurance company deny emergency medical coverage based on the final diagnosis?
I went to the emergency room for symptoms suggesting a life-threatening illness. It turned out I did not have a life-threatening illness and the ER doctor diagnosed something much less severe. However, now my health insurance company is refusing to pay for the emergency room fee based on that diagnosis. This seems unethical to me. My symptoms indicated an emergency, so I went to the hospital. Just because it turned out I didn't actually have a condition requiring emergency medical attention, doesn't mean my health insurance company has the right to deny me coverage.
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Most state insurance laws use "prudent layperson" criteria. Meaning...if a "prudent layperson" (i.e. - a reasonable ordinary citizen) would consider the circumstances as an emergency, then the insurance company should process the claim as an emergency. By the way...hospital claims specify the diagnosis you presented to the ER with, in addition to your final diagnosis. So, the insurance company should be aware of the symptoms you presented to the ER with, in addition to your final diagnosis. Its hard to say what happened in your situation, without knowing what symptoms you had that made you feel like it was an emergency. But you should at least be able to appeal with an explanation of why you felt it was necessary to seek emergency care. But insurance companies can have tiered benefits ("emergency" use of the ER, and "non-emergency" use of the ER...based on whether or not a reasonable person would consider your situation an emergency). You can either have a reduced benefit for non-emergency situations, or no benefit at all.
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Most state insurance laws use "prudent layperson" criteria. Meaning...if a "prudent layperson" (i.e. - a reasonable ordinary citizen) would consider the circumstances as an emergency, then the insurance company should process the claim as an emergency. By the way...hospital claims specify the diagnosis you presented to the ER with, in addition to your final diagnosis. So, the insurance company should be aware of the symptoms you presented to the ER with, in addition to your final diagnosis. Its hard to say what happened in your situation, without knowing what symptoms you had that made you feel like it was an emergency. But you should at least be able to appeal with an explanation of why you felt it was necessary to seek emergency care. But insurance companies can have tiered benefits ("emergency" use of the ER, and "non-emergency" use of the ER...based on whether or not a reasonable person would consider your situation an emergency). You can either have a reduced benefit for non-emergency situations, or no benefit at all.
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As far as health insurance is it best to get the highest or lowest deductible.?
I trying to apply for health insurance but i can't find anybody that covers everything as far as dental and life insurance for a reasonable price.I also want to know if it's best to get the highes deuctible or the lowest ar far as health insurance.And does anybody know any good providers?
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Apply for health care insurance separately from dental insurance to get the best deal. There is no such thing as a combination health insurance/life insurance to my knowledge. If you are young and healthy, choose the high deductible plan because your premiums will be much less. Meanwhile, it's very important that you take the savings from the lower premiums and set these aside in a savings account just in case you need to pay the deductible. Check into a Health Savings Account (HSA). This is a tax-advantated savings account that you can use to pay the deductible. You must have a tax-qualified high deductible health care plan in order to have the HSA. Your contributions to the Health Savings Account give you a tax deduction, and your earnings are tax-free. You can also use the HSA to cover dental expenses, whether you eventually get dental insurance or not. If you are young and healthy and you take good care of your teeth, you may be better off just using the HSA to pay for your dental. However, one benefit of having dental insurance is that the insurance company negotiates a lower price with the dentist, and that will save you money. Regarding life insurance, apply with a highly rated company (you want them to be around for awhile) such as Metropolitan or New York Life. Choose "term" insurance for the lowest rates. The agent may try to convince you to choose whole life or universal life, which is just life insurance combined with an investment. If you have extra money to invest, keep that separate from your life insurance, and just choose term life insurance. Go for the longest term you can get - if you're young, that should be at least 20 or 30 years. Otherwise, you'll have to renew your term at a higher age, and your premiums will be rated to your age at that time.
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Apply for health care insurance separately from dental insurance to get the best deal. There is no such thing as a combination health insurance/life insurance to my knowledge. If you are young and healthy, choose the high deductible plan because your premiums will be much less. Meanwhile, it's very important that you take the savings from the lower premiums and set these aside in a savings account just in case you need to pay the deductible. Check into a Health Savings Account (HSA). This is a tax-advantated savings account that you can use to pay the deductible. You must have a tax-qualified high deductible health care plan in order to have the HSA. Your contributions to the Health Savings Account give you a tax deduction, and your earnings are tax-free. You can also use the HSA to cover dental expenses, whether you eventually get dental insurance or not. If you are young and healthy and you take good care of your teeth, you may be better off just using the HSA to pay for your dental. However, one benefit of having dental insurance is that the insurance company negotiates a lower price with the dentist, and that will save you money. Regarding life insurance, apply with a highly rated company (you want them to be around for awhile) such as Metropolitan or New York Life. Choose "term" insurance for the lowest rates. The agent may try to convince you to choose whole life or universal life, which is just life insurance combined with an investment. If you have extra money to invest, keep that separate from your life insurance, and just choose term life insurance. Go for the longest term you can get - if you're young, that should be at least 20 or 30 years. Otherwise, you'll have to renew your term at a higher age, and your premiums will be rated to your age at that time.
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Why should major corporations have the burden of supplying health insurance in America?
They don't need this extremely expensive burden in other countries and shouldn't have to provide it in America. Isn't it time to make America more competitive with other countries by not expecting companies to provide money toward health insurance benefits?
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Those other countries that don't have expensive employer based health plans usually have universal health insurance. Which way do you want it?
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Those other countries that don't have expensive employer based health plans usually have universal health insurance. Which way do you want it?
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Is there any health insurance out there that covers infertility?
My health insurance from my last job is about to run out so I need to get my own independent health insurance now. Im looking for a policy that covers infertility. I will need infertility services such as IUIs and invitro and testing of course. My current insurance don't cover infertility at all.I cannot afford all the expenses out of pocket.
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healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
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healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.
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