My health insurance company is cancelling my policy because my company did not pay the premium.?

I got a letter from my health insurance carrier saying my coverage was being terminated as my employer did not pay the premium for the last three months. However, They have taken the premium's out of my paycheck every pay period and they show it on the check. The insurance company also says I will be liable for any services they paid for during this period. What can I do.
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Unfortunately, the contract with the insurance company is with your employer and so if premium was not paid then the contract will cancel and no benefits can be paid after that time. Your issue is with your employer - what did they do with the payroll deductions if it wasn't paid to the insurance company? If they are unable to pay back premium and have the policy reinstated, then do they have a plan in place to provide health insurance back to that cancellation date? If not, they owe you the payroll deductions back and you will need to acquire insurance on your own. I would consider this a BIG red flag that your employer is not doing well financially or, at best, the benefits department is incompetent (neither is a good thing for employees). If your employer continued to take payroll deductions after they knew the policy was terminating and didn't notify employees, then I wonder if they aren't somehow implying coverage and might be forced to pay your medical bills - but I'm not a lawyer and do not know the answer to this. Good luck! Also, a good resource is... http://www.knowledged.info/go.php?link=i… Good Luck.
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If someone is injured in a car accident, does their car insurance typically pay for their health care?

Or is it up to the person's health insurance (out-of-pocket if they have no health insurance)?
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If the other party was liable his liability insurance should pay. If the car you were riding in, was liable and they have medical. payments or the proper coverage then that insurance would pay. If the car you were riding in does not have the proper coverage then you would have to sue to recover any medical expenses you incurred. Your own medical insurance is not liable and will not pay if there is other coverage available to you.
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Cancelled health insurance policy after surgury question?

My fiance just had spinal surgury (disk fusion). His insurance company he's had for a year now, has just cancelled his health insurance but not before shouting preexisting condition. He heard this from the Neuromedial hospital when trying to get another CAT scan for checking up on the surgury. Should we get a lawyer involved yet? Or should we wait it out for a more definite answer from the insurance company? I'd hate to just get married just so he'll have health insurance under my policy.
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most policys will only not cover a pre existing condition for the first 6 months.You should be covered
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if your company does a two week lay off, what happens to your health insurance?

My husband's company is doing a 2 week lay off for every employee...bummer...he is able to collect for those 2 weeks, but what happens to his health insurance during those 2 weeks, i have surgery scheduled during that time?
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To Be honest,It will take a little time to find the answer for the question of yours.have a look at the resource here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm for your reference .
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does health insurance automatically cover maternity when pregnant?

I have pretty much no knowledge of health insurance. So, if when you find out your pregnant does your insurance automatically add maternity at no additional cost? or is it something that has to be included in the plan already before becoming pregnant? Any help would be appreciated.
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It has to be signed up for before becoming pregnant and in many cases you have to wait certain period of time before becoming pregnant in order to have coverage. It's called waiting period. Insurance plan that has maternity coverage is usually around $100 more or so. These is if you have private insurance. If you have insurance through your employer, it's different story and for best answer inquire from your HR department on maternity benefits.
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Is a congenital birth defect considered a pre-existing condition for purposes of health insurance?

We may be switching jobs and, therefore, health insurance. I am worried about coverage for my daughter who has a congenital birth defect (cerebral palsy). is this considered a pre-existing condition and she will be denied coverage??
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Lots of variables here. If you're going to a large company with a group policy, you may be able to join during open enrollment with no exclusions. Or there may be a set time under which any pre-existing condition is not covered (3 months, say, or 6 months). It REALLY depends on the individual state insurance commissioner to set the standards and the individual companies to decide how to meet them. It may also matter how affected your child is. CP, as you probably know, is a variable disease. Some kids need little or no extra health care. Some need lots. If you fall more toward the "lots" you might want to condsider looking into Medicaid, under the "disabled" enrollment. This can be a better deal than regular insurance, and has no caps.
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Why not keep health care privatized and only treat people who have health insurance or can pay themselves?

That would lower the cost on taxpayers and those who pay fairly into the health insurance. Those who cannot afford will have to die or find a doctor willing to work for free. This would allow the most freedom and most capitalism - two bastions of American independence.
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"Countries are judged not by the economy, but how they treat their poor."
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