• They took my husband off my dental insurance?

    We've been going to our dentist regularly for months and only now they informed us that my husband hasn't been covered by my insurance this year after already having the work done. Now they want us to pay them over $6000! I never had any notice given to me by my insurance nor my dentist that he was... show more
    We've been going to our dentist regularly for months and only now they informed us that my husband hasn't been covered by my insurance this year after already having the work done. Now they want us to pay them over $6000! I never had any notice given to me by my insurance nor my dentist that he was uninsured and charged us like he was covered. Like most people we have bills and there's no $6000 sitting around waiting to be thrown into the wind. I can't find anything to point me in the right direction.
    29 answers · 2 weeks ago
  • Life Insurance on My Dad (He might have Cancer)?

    Best answer: Insurers will not pay for something that is guaranteed to happen in the next year or two. You are probably too late to start thinking about this. The best you might find is a burial policy, that will pay for basic expenses, but you'll still need to buy the urn or casket, the burial plot, etc. For about $2K,... show more
    Best answer: Insurers will not pay for something that is guaranteed to happen in the next year or two. You are probably too late to start thinking about this. The best you might find is a burial policy, that will pay for basic expenses, but you'll still need to buy the urn or casket, the burial plot, etc. For about $2K, you can prepay his preparation and funeral home services.

    Insurers will not pay in the first year of a new policy, in most cases. They will not issue insurance for someone with diabetes, or the rate will be extremely high - from personal experience. Preexisting conditions may also cause them not to underwrite the policy, especially if cancer is a possibility. A health check will be required, or they will not pay out in the first year or more of the policy in the few cases that don't require it. Also, the insurance premiums are also rather high, as you get older, especially for those policies that don't require a health check. Per unit of coverage - is $1000.

    At this point, I would start saving toward his funeral expenses. Each of you should set aside $200/week, and stop in about 2 years, if he is still alive. Don't expect a huge insurance pay out to pay for stuff you might want. Expect the casket to cost at least $5K, and burial plot may cost even more. Also, ensure he has a will, regardless of what little he owns, car, house, everything should be stated. A living trust may also be wise, to handle the real estate, if he owns any. Ensure he has a living will, to handle his final wishes, for life sustaining treatment, especially if he becomes unable to make those decisions on his own.
    24 answers · 1 week ago
  • Which insurances should I look at?

    I recently got my disability and I'm just waiting for the medicare letter. I know I might need a separate insurance company to cover some more stuff but I'm not sure which to look at.
    I recently got my disability and I'm just waiting for the medicare letter. I know I might need a separate insurance company to cover some more stuff but I'm not sure which to look at.
    13 answers · 2 weeks ago
  • How can I pay my medical bill with insurance?

    Best answer: Call the 800 number on your insurance card. Ask them if they've gotten the bill, if they've paid their share yet, and what part they paid and what part you will have to pay. This part should be obvious, but did you give the doctor's office or hospital your insurance information? Usually they'll... show more
    Best answer: Call the 800 number on your insurance card. Ask them if they've gotten the bill, if they've paid their share yet, and what part they paid and what part you will have to pay.

    This part should be obvious, but did you give the doctor's office or hospital your insurance information? Usually they'll bill the insurance first, then the insurance company will mail (or e-mail) a statement of what the bill was, and how much they paid. And the hospital or doctor's office will mail you a bill showing what your insurance has paid and how much you owe. You don't pay your share until the insurance has paid their share.
    9 answers · 2 weeks ago
  • State farm asking for back pay after they mistakenly gave me an incorrect premium amount for my address.?

    Best answer: First, read EVERY WORD of your policy with State Farm. Policy language trumps anything else. If there is language in it, even in the smallest of the small print, that says anything about a change in your address affecting your premium, then you MAY have to pay up. I say 'may', because you can send them... show more
    Best answer: First, read EVERY WORD of your policy with State Farm. Policy language trumps anything else. If there is language in it, even in the smallest of the small print, that says anything about a change in your address affecting your premium, then you MAY have to pay up. I say 'may', because you can send them this letter and see what happens:



    "I promptly informed you of my change of address. It is not my fault you did not promptly notify me of a change in premium resulting from a change in my address. Had you promptly notified me, I would have promptly taken my business elsewhere - as I just did.

    Your failure to give prompt notice denied me my right to cancel. I believe it is unlawful to sit back and wait, even if that was an oversight on your part, to attempt to enforce payment on me. I will vigorously defend myself against any attempts to collect this charge, and I will take the appropriate legal action against you should any financial damage to my good name and my good credit result from your actions. In addition, I will be pursuing the matter with my state's insurance department.'

    Then see what happens and if they persist, fight them. I am guessing they will let the matter drop. But keeping checking your credit reports every so often.

    If there is nothing in the policy that addresses their rights regarding your change of address, then they cannot later affirm those rights and act on them. Write them a shorter version of the same letter:

    'I have read my policy and I see nothing in it that gives you the right to do what you are doing. I will vigorously defend myself against any attempts to collect this charge, and I will take the appropriate legal action against you should any financial damage to my good name and my good credit result from your actions. In addition, I will be pursuing the matter with my state's insurance department.'

    Good luck, and whenever you believe you are in the right, don't roll over. Fight. These other people, with their answers... they are just blindly reacting, not taking the time to think it through.
    9 answers · 2 weeks ago
  • Does private Health Insurance cover pre existing contions ..?

    Best answer: If you're in the U.S. ▬ "Private Health Insurance" is not really an insurance term. It is usually used to designate insurance that you get on your own not through an employer. It's actually called individual insurance. If you need coverage that will cover pre-existing conditions you need to get... show more
    Best answer: If you're in the U.S. ▬

    "Private Health Insurance" is not really an insurance term. It is usually used to designate insurance that you get on your own not through an employer. It's actually called individual insurance.

    If you need coverage that will cover pre-existing conditions you need to get insurance that is ACA compliant. Nothing else will fully cover pre-existing condition nor will it keep you from paying the tax penalty.
    6 answers · 1 week ago
  • Can a health insurance company deny a claim that was already approved?

    If a health insurance company approves and pays out a claim, then months later decides it should have been denied, can the insurance company demand reimbursement for the amount they overpaid?
    If a health insurance company approves and pays out a claim, then months later decides it should have been denied, can the insurance company demand reimbursement for the amount they overpaid?
    8 answers · 2 weeks ago
  • We are an American-French married couple living in Kansas looking for a health insurance.?

    Any idea to help us to choose between all of its, please? Thanks a lot.
    Any idea to help us to choose between all of its, please? Thanks a lot.
    8 answers · 2 weeks ago
  • Can I force hospital to Bill insurance company?

    Best answer: Back in December 2010, I had my 1st colonscopy done. I had a $5,000 deductible (end of year) and knew that I would have to pay for it 100% and debated on having the hospital submitting to insurance, or if I paid myself would it be cheaper. The doctors office quoted me about $1,200 if no problems and (if) I did... show more
    Best answer: Back in December 2010, I had my 1st colonscopy done. I had a $5,000 deductible (end of year) and knew that I would have to pay for it 100% and debated on having the hospital submitting to insurance, or if I paid myself would it be cheaper. The doctors office quoted me about $1,200 if no problems and (if) I did not submit to insurance, they would give me a 20% discount instead.

    The good news is that I submitted to insurance to find out that the negotiated rate owed was about $650 or less. So, if I paid and not submitted, I would have paid about $300 more (thinking) that with the 20% would be less, thus from that time on, always submit to insurance "just in case", since then that claim goes toward my deductible that (if) something else happened, may not pay more, since deductible was charged.

    The hospital and the doctor are not going out of their way to help you out, since neither one of them have anything to gain, since it is you that ends up paying more, since this original bill was never submitted to be applied to your deductible.

    So, your only choice is to do like poster anonymous stated. Follow her advice and if lucky, can submit yourself (time) willing.
    10 answers · 2 weeks ago
  • Will my parents see what I did using their insurance?

    If I schedule an appointment to planned parenthood or my primary care gynecologist to get some STD testing done, will they see the insurance statement? Even if we've paid all our deductibles for this year? Will they see exactly where I went and what I got done? I'm 21 years old and I've been told that... show more
    If I schedule an appointment to planned parenthood or my primary care gynecologist to get some STD testing done, will they see the insurance statement? Even if we've paid all our deductibles for this year? Will they see exactly where I went and what I got done? I'm 21 years old and I've been told that since I'm an adult my insurance can't tell them my confidential information, even if it's their insurance. How much information exactly will they see? Just that I used their insurance? Where I went? Exactly what I did?
    6 answers · 2 weeks ago
  • Can you get a loan from life insurancn?

    7 answers · 2 weeks ago
  • Therapist Doesn't Accept My Insurance? Is That The Same As 'Out of Network'?

    Started seeing a new therapist who was in-network according to my insurer's website (BCBS), but it turns out a different provider handles the mental health side of my insurance (Cigna). But my therapist only accepts BCBS. So how does this work? Do I just pay cash up front and fail a claim with my insurance... show more
    Started seeing a new therapist who was in-network according to my insurer's website (BCBS), but it turns out a different provider handles the mental health side of my insurance (Cigna). But my therapist only accepts BCBS. So how does this work? Do I just pay cash up front and fail a claim with my insurance company to recoup my payment minus the out-of-network copay? Never tried to use insurance out-of-network before, but I am allowed to see out of network providers without prior approval according to my insurance.
    5 answers · 2 weeks ago
  • I need the MOST AFFORDABLE SR-22 Insurance in the state of oregon for 2 and a half years. Any recommendations?

    Also, I would like to find an insurance company that will write a policy for the entire 2 and a half years. For instance: Geico will only write policies for 6 months at a time. Be Specific! Thanks!
    Also, I would like to find an insurance company that will write a policy for the entire 2 and a half years. For instance: Geico will only write policies for 6 months at a time. Be Specific! Thanks!
    4 answers · 2 weeks ago
  • My father got injured. Will he still get paid?

    My dad is unable to work because of an accident. Will he still get paid? Who will pay the bills? And my mom doesn't work.
    My dad is unable to work because of an accident. Will he still get paid? Who will pay the bills? And my mom doesn't work.
    19 answers · 3 weeks ago