If you get pregnant and are covered by your spouse's work insurance would you be covered on the new employer's group insurance if he switched jobs?
Yes, you should be since you were already covered prior to this. Although each state varies with this type of coverage. Even if he has a waiting period before he can enroll, he should get a letter from his prior insurance company showing that he had creditable coverage.
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Answer It depends on your insurance and reason for having the procedure. Your nose job may be covered by your insurance if your procedure is enhancing the function of your no…se (ex: relieving swelling, extreme sinus pressure, or breathing problems, etc). If your procedure is purely cosmetic, the chances of your procedure being covered is very low. Consult your plastic surgeon and your insurance company to determine which financial plan you'll have to follow. Nearly all plastic or cosmetic surgery is considered elective, which means health insurance does not pay for it. This means you need to have a grasp of the full cost of nose job surgery.
If you are coming to the US for your job and your wife is pregnant will her pregnancy be covered by the companys group insurance?
Yes. For documentation see www.SteveShorr.com/maternity.htm and United States Code 26 U.S.C.A. section 9801(d); http://uscode.house.gov/uscode-cgi/fastweb.exe?getdoc+uscview+t…26t28+2544+5++%2826%20U.S.C.A.%20section%209801%28d%29%29%20%20%20%20%20%20%20%20%20%20
If you left your job and became pregnant before another getting a new job will you be covered on a new group health insurance?
Answer . No. You'd have more of a case for the prior insurer to cover it if that policy was in effect at the time of conception.. At the time of conception if there was n…o available coverage and coverage was obtained after the diagnosis it becomes a pre-existing condition and would not be covered by either insurance.
For an unmarried 25 year old is secondary insurance available to cover the 20 percent not covered by an employer's group policy?
Answer . Yes. It is called suplemental insurance .. your age and marital status are irrelevant.
If you lose your job and primary health insurance but are also covered through your spouse's group plan are you still eligible for COBRA?
That would depend on if your spouse's coverage is group or individual coverage. If it is group coverage offered by your spouse's employer then NO. Cobra regulations specifical…ly say that you are not eligible if you have other employer sponsored group coverage with one exception. That is if the other coverage includes any pre-exisitng conditions clause that would deny you coverage for that illness/injury. If you have no pre-existing conditions or the pre-ex caluse does not relate to you (ie. pregnancy is a pre-ex but you are not pregnant) then you are not eligible. If the spouse's coverage is individual coverage and not group you are still eligible for Cobra.
If your wife switches from the insurance at her job to the insurance at your job will her pregnancy still be covered?
Perhaps not . If any agent tells you that your wife's pre-existing pregnancy is covered, get it in writing. Twenty-three years ago, I wound up paying the whole bill for my… first child's delivery when my wife's employer changed insurance companies. The new company said they were not required to pay for pre-existing conditions. To this day, I think we got hosed, but that's water over the dam. Don't let it happen to you.
If you are covered under medical insurance with the exsiting job and switch jobs while pregnant will the new medical insurance cover you?
Typically yes. HIPAA allows you to be covered for pre-existing conditions if there is no break in insurance coverage. If your prior coverage didn't cover deliveries, the quest…ion may or may not be more complicated. Contact the Insurance Commissioner's office in your state.
In order for anyone to be covered under anyone's health insurance, they must be listed on the policy and a premium must be collected for them. If your spouse did not include t…heir names on the plan and no premium is being collected for them, then they won't have coverage.
Is key man insurance taxable to the person covered as is the case on group-term life insurance paid by an employer's company over 50K?
Key person life insurance is coverage on the life of a key employee and payable to the employer upon that employee's death. The purpose is to protect the company from the fina…ncial loss associated with the loss of the employee. Since the employee in no way benefits from a key person life insurance policy, there are no tax consequences to the employee.
Any job related injury is covered by worker's compensation, your health insurance shouldn't come into play with a work related injury.
If you are diagnosed with ms while employed and insured by one company but want to switch jobs will the insurance at the new job cover you?
Health Insurance Portability and Accountability Act . The Health Insurance Portability and Accountability Act (HIPAA) was enacted several years ago to address "Pre-Existing… Conditions", which is what you are describing. HIPAA is very specific on how Health Insurance companies can treat you and ANY health problem you may have prior to signing on with another employer. It was enacted specifically to protect employees with serious medical problems like cancer, MS, and others from being left in the cold if they either lost a job due to downsizing, needing to change jobs because of the medical problem, etc. The key things to know are the exclusionary time limits involved, i.e., the time between employers. . If you or someone else is considering switching employers and have been diagnosed with MS, then you should learn as much as possible about the contents of the HIPA Act. HHS HIPAA - http://tinyurl.com/3chck HIPAA.org - http://www.hipaa.org/ HIPAA Wiki - http://tinyurl.com/3oucg7 . Consolidated Omnibus Budget Reconciliation Act (COBRA) . COBRA protects employees who have lost their job due to circumstances beyond their control keep medical benefits for a period after severance. It is also a good law to study just in case, as anyone with serious medical issues may find themselves without a job due to discrimination or just business factors. While there are legal remedies for discrimination based on health problems, they take time to go through, and without medical benefits it's extremely difficult to cope. I've already been there myself. COBRA Wiki - http://tinyurl.com/rg25s
Would insurance cover me at a new job if you had insurance at your last job and daughter has a brain tumor?
It is possible, but I would use COBRA until I have a definitive ruling from the new insurance Carrier
Answer As always it depends on the policy. Most of the time everything is covered by the policy that you're on on the day you deliver. Labs and ultrasounds generally fall on… whichever policy was in effect on the date of service. Occasionally some policies won't cover prenatal visits prior to coverage. The old insurance usually has no problem paying in those situations.
You are 33 weeks pregnant and your insurance runs out at the end of the month-if you switch insurance will the rest of your maternity costs be covered by new insurance?
Finding insurance for pregnant women is not always easy because pregnancy is considered a pre-existing condition. If you dont have coverage before you become pregnant, finding… coverage can be expensive. here is an article that can help you find affordable health insurance while pregnant and get you the coverage you need. http://www.insuranceagents.com/pregnant-health.html
In general, if the employer has more than 20 employees, it is subject to COBRA laws. Part of that involves, if employment terminates for one of several reasons, currently incl…uding voluntary quitting, COBRA insurance continuation benefits must be offered.
It is not easy to qualify for disability insurance if you have a recent DUI. The logic behind this is that you are at greater risk of suffering a disability if you are injured… in a car accident and you are more likely to have a car accident if you have a history of DUI. If you are asking about whether or not your employer's auto liability insurance will cover you, then the answer is "probably not" if your DUI is recent (3 years or less).
Check with your human resources department and be aware of open enrollment deadlines.