I have two daughters who file their own taxes, which means i do not claim them as dependents. One lives at home (age 18 full time college and part time work) and the other has been away in another state for two years (age 21full time college and full time work) My question is on the new insurance plan - it states "dependents up to age 25 covered" Is there an advantage to making them dependent? What would I need to do to get them insurance coverage?
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From Blue Cross Blue Shield: My child will be going to college. Can I keep his or her coverage active? Yes, provided your group health plan has our "family continuation" (FC) or "dependent continuation" (DC) rider. Be sure to check your benefit guide or ask at work to see if your group health plan includes one of these riders. If your organization offers one of the riders, you must apply for continuation coverage before December 31st of the year your dependent turns 19. Let us know your dependent is attending college, and we will send a letter annually to verify that his or her enrollment continues. Between the ages of 19 and 25, dependents can remain covered if they are: Unmarried Related to you by blood, marriage or legal adoption Full-time students for at least five months of the year or have a gross income of less than four times the personal exemption amounts as defined by the Internal Revenue Service's current code So it looks like your 18 year old can be covered but your 21 year old cannot. The family continuation rider is pretty common but you need to check with your own health insurance carrier to determine if their rules differ from those above.
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Thursday, June 23, 2011
I don't have health insurance but would like opinions on what helps Your Depression?
I have found increasing exercise & sometimes drinking Coke helps me but would like input from others.
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I take generic Wellbutrin SR (150 mg) in the morning, and Lexapro (10 mg) with dinner, for depression and anxiety. I've been taking that for over two years, and it's working very well for me. If you don't have insurance for the medications, do a Google search on "prescription assistance", there are a lot of programs out there that can help with the medications.
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I take generic Wellbutrin SR (150 mg) in the morning, and Lexapro (10 mg) with dinner, for depression and anxiety. I've been taking that for over two years, and it's working very well for me. If you don't have insurance for the medications, do a Google search on "prescription assistance", there are a lot of programs out there that can help with the medications.
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Why do health insurance drop people?
My sister had health insurance for about a year and she went in about 7 months ago to have a colonosopy( they removed 2 small polyps) and she also took a medication for osteoporosis. A few weeks ago she got a letter from her insurnace company saying they were dropping her because of the polyps removal and of the medication used to prevent osteoporosis. Do insurance companies normally do this?
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As already mentioned it is illegal in ALL states for an insurance company to drop you because of medical problems. There has to be more to the story, either she didn't pay the bill or she lied on the application. If it is true as you wrote all she has to do is forward the letter to the state department of insurance and the insurance company will have to reinstate her and they'll be in big trouble. They will face monetary fines and possibly be forbidden to operate in that state in the future.
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As already mentioned it is illegal in ALL states for an insurance company to drop you because of medical problems. There has to be more to the story, either she didn't pay the bill or she lied on the application. If it is true as you wrote all she has to do is forward the letter to the state department of insurance and the insurance company will have to reinstate her and they'll be in big trouble. They will face monetary fines and possibly be forbidden to operate in that state in the future.
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My husband is switching careers...we need short term health insurance for the in between period?
We'd need it for 30 days and it needs to cover pre-existing conditions. Can anyone recommend which insurance provider to look into? Thanks for your help.
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Short term health policies do not cover any pre-existing conditions. COBRA will be available if your current plan has more than 20 employees. That will be your only option to keep the conditions covered.
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Short term health policies do not cover any pre-existing conditions. COBRA will be available if your current plan has more than 20 employees. That will be your only option to keep the conditions covered.
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Will the US proposed mandatory health insurance consider setting up a Conscientious Objector program?
Can a Christian Scientist refuse Chemo for their child if they have Cancer?
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This is essentially an insurance reform. No one will be forced to have health care under the proposed legislation.
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This is essentially an insurance reform. No one will be forced to have health care under the proposed legislation.
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What is the best/cheapest health insurance. I am very healthy and mainly need "Emergency Coverage"?
I am working as a private contractor and need coverage for the next 6- 8 months before starting new job with coverage. I am healthy and don't need any medications. I am mostly concerned about getting into an accident and huge hospital bills. Or if I get pregnant (we are waiting but sometimes things happen!) Also, my best friend is in the same situation- can we share a policy?
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When it comes to health insurance cheap and best will not be in the same sentences. You need to look up the companies that provide insurance in your area and read the fine print. It is not going to be cheap to get a good insurance for medical emergencies. In this day and age there is no reason for an unwanted or unplanned pregnancy. You would also need to get coverage for that and make sure that the little one would be covered. Some states still allow insurance companies to avoid covering pre-existing conditions and I am not sure if pregnancy is considered a pre-existing condition. How long do you have to work before you can start using insurance benefits? You may have to pay for insurance longer than you thought. Most states only allow you to share a policy if you are married, immediate family member, or a domestic parnter.
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When it comes to health insurance cheap and best will not be in the same sentences. You need to look up the companies that provide insurance in your area and read the fine print. It is not going to be cheap to get a good insurance for medical emergencies. In this day and age there is no reason for an unwanted or unplanned pregnancy. You would also need to get coverage for that and make sure that the little one would be covered. Some states still allow insurance companies to avoid covering pre-existing conditions and I am not sure if pregnancy is considered a pre-existing condition. How long do you have to work before you can start using insurance benefits? You may have to pay for insurance longer than you thought. Most states only allow you to share a policy if you are married, immediate family member, or a domestic parnter.
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Legally are people who have medi - cal allowed to also buy their own health insurance?
Will the insurance that they buy often allow this or how does this work? Is it legal? Doctors say that medi-cal is not good enough for them so they usually want you to have good health insurance. What is good health insurance and how does it differ from medi -cal ? Insurance is insurance right? How would they bill medi - cal and the other insurance together? If you have a deductible can medi-cal cover what is not met before the deductible of the health insurance you obtain additionally?
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if you buy additional insurance that will be your primary one,and medi-cal the supplementary . is not that medical is not good enough for the Doctors the fact is medical takes sometimes 1 or 2 months to pay the bill so a lot of physicians do not like accepting it because of it. medical will not cover your deductible. and if you have money to buy you own Insurance then your medical can be discontinue or you can have an other co-pay on top of your insurance
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if you buy additional insurance that will be your primary one,and medi-cal the supplementary . is not that medical is not good enough for the Doctors the fact is medical takes sometimes 1 or 2 months to pay the bill so a lot of physicians do not like accepting it because of it. medical will not cover your deductible. and if you have money to buy you own Insurance then your medical can be discontinue or you can have an other co-pay on top of your insurance
Source
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