http://www.healthinsurancefinders.com/advice Responses to many of the common questions we receive on a daily basis. Thu, 25 Feb 2010 21:10:24 +0000 http://wordpress.org/?v=2.6.5 en Where to get individual health insurance that is safe and I won’t have to pay for a middle man? http://www.healthinsurancefinders.com/advice/health-insurance-for-individual/ http://www.healthinsurancefinders.com/advice/health-insurance-for-individual/#comments Thu, 25 Feb 2010 21:03:23 +0000 RenditionMS http://www.healthinsurancefinders.com/advice/?p=2694 http://www.healthinsurancefinders.com/advice/health-insurance-for-individual/feed/ My husband’s previous employer offered group medical insurance to his employees which the employees had to pay for themselves. My husband paid for our insurance out of his paycheck. We have learned that the employer did not use that money to pay for the benefits during the last few months my husband worked there. We don’t know what the employer did with the money. Do we have a case against him to get our money back? http://www.healthinsurancefinders.com/advice/offered-group-medical-insurance/ http://www.healthinsurancefinders.com/advice/offered-group-medical-insurance/#comments Sun, 07 Feb 2010 14:03:20 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5486 http://www.healthinsurancefinders.com/advice/offered-group-medical-insurance/feed/ I was diagnosed HIV+ the same day I was laid off from my job. I am healthy and currently on medicine and covered by GA’s continuation requirements. They are set to expire in May but will most likely be extended. I am not sure what to do to maintain and secure health insurance once the continuation expires. I’ve opened my own company but am so far its only employee. I am working, healthy, and only on one medicine, albeit an expensive one. I am not sure how to proceed. I make too much to qualify for public assistance and not enough to afford four digit monthly premiums. help! http://www.healthinsurancefinders.com/advice/secure-health-insurance-once-the-continuation-expires/ http://www.healthinsurancefinders.com/advice/secure-health-insurance-once-the-continuation-expires/#comments Thu, 28 Jan 2010 02:29:30 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5471 http://www.healthinsurancefinders.com/advice/secure-health-insurance-once-the-continuation-expires/feed/ Son is now 18 but still on fathers health care plan. Ex wife is suppose to pay first 100 out of pocket then a percentage. She has not ever done this. Now that the divorce decree is no longer valid. He has graduated and is of age. But still on father’s policy, ex-wife is sending all medical bills to our home. If she took the child to the doctor and signed all the paper work, who would legally be required to pay the balances that insurance didn’t cover? She signed and filled out all of the information. http://www.healthinsurancefinders.com/advice/fathers-health-care-plan/ http://www.healthinsurancefinders.com/advice/fathers-health-care-plan/#comments Wed, 27 Jan 2010 20:56:47 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5470 http://www.healthinsurancefinders.com/advice/fathers-health-care-plan/feed/ Why can’t I just tell my employer that I don’t want insurance coverage through them anymore? I have already obtained coverage through my husband’s company and all I want to do is drop my coverage through my job. I’ve been trying to do this for over a month now and it has cost me over $400 so far while they keep wanting more and more paperwork from me. They are trying to make me prove coverage through my husband and I’ve shown them approval letters and my new insurance card which has both of our names on the front. Is what they’re doing to me legal? It’s my money and my choice right? If it wasn’t being deducted from my paycheck, I’d just quit paying and they would drop me in a heartbeat, but I don’t have that choice. http://www.healthinsurancefinders.com/advice/want-insurance-coverage/ http://www.healthinsurancefinders.com/advice/want-insurance-coverage/#comments Wed, 27 Jan 2010 07:39:55 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5469 http://www.healthinsurancefinders.com/advice/want-insurance-coverage/feed/ i recently resigned from my job and my new job does not offer a group health insurance so for the time-being, i will be signing up for COBRA from my old job. my wife and son have been overseas for the past 3 years and were not living with me so i did not bother to include them to my previous existing group health plan (BCBS MI). my wife and son plans to join me soon, probably within the month. to complicate matters, my wife is pregnant. BCBS have advised that I can only add them on in June or July during open enrollment. on top of that, she still needs to go through the 6-mos waiting period. this would obviously mean she won’t be getting any coverage well past her due date. the question is: is there any other way of going around this? can I add my spouse and son directly to COBRA on their date of arrival without waiting for open enrolloment? http://www.healthinsurancefinders.com/advice/without-open-enrollment/ http://www.healthinsurancefinders.com/advice/without-open-enrollment/#comments Fri, 15 Jan 2010 21:39:51 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5433 http://www.healthinsurancefinders.com/advice/without-open-enrollment/feed/ If a child coverage is dropped because a parent loses employment. Can the other parent add the child to his/her insurance, is there a waiting period, or a time out period? http://www.healthinsurancefinders.com/advice/child-coverage/ http://www.healthinsurancefinders.com/advice/child-coverage/#comments Thu, 14 Jan 2010 04:56:10 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5431 http://www.healthinsurancefinders.com/advice/child-coverage/feed/ My company used to pay 50% of my health insur when I participated in group plan with 2 others. I am the oldest in company of 6 total. One person moved away so only 2 of us on health plan. Too expensive for me, even at 50% so I changed to HSA health insurance plan/high deductible plan (1250 deductible) which is lower price than previous plan. Is it okay that company still pays what they used to pay for my expensive plan, even though it’s now more than 50%? What about each year when my plan cost increases? The second employee took out his own HSA/hdhp too, but he is younger and male and company is still paying what they did for his former plan, but it is more than 50%. Should company be expected to increase their contribution each year and if so how to calculate? The two of us took out cheaper plan for us and for company, but we also assumed a high deductible which the previous plan didn’t have. How do we figure this out…what is fair. http://www.healthinsurancefinders.com/advice/hsa-health-insurance-plan/ http://www.healthinsurancefinders.com/advice/hsa-health-insurance-plan/#comments Wed, 13 Jan 2010 01:03:32 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5428 http://www.healthinsurancefinders.com/advice/hsa-health-insurance-plan/feed/ My husband is having his insurance with Blue Cross under employee sponsored group plan. We live in NJ. His bypass surgery claim has been denied for pre-existing condition. He had been treated for high blood pressure only until the heart attack on Jan 2009. We moved to US during Jul 2007.Between July 2007 to Jan 2008 we were having our insurance plan with United Health Care and since I lost my job in Jan 2008, we had to move to my husband’s insurance plan with blue cross. Please help us as the bill amount is ~157K. http://www.healthinsurancefinders.com/advice/health-insurance-claim-denied/ http://www.healthinsurancefinders.com/advice/health-insurance-claim-denied/#comments Tue, 12 Jan 2010 02:26:33 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5425 http://www.healthinsurancefinders.com/advice/health-insurance-claim-denied/feed/ My insurance company raised my rates for 2010, but did not notify me until January 7th. They admitted in the letter that they failed to notify me and gave me the first two months of the year at the 2009 rate. If I had known about the increase I would have cancelled and joined the insurance offered by my wife’s employer. However, the enrollment period has passed. Is there a deadline for when the insurance company must notify you of an increase? As I mentioned, I would not have accepted the increase if they had notified me in a timely manner. Their delay caused me to miss the enrollment for my wife’s insurance. Can I legally force them to honor the 2009 rate because they waited so long to tell me about the increase? (I live in Georgia) http://www.healthinsurancefinders.com/advice/insurance-company-rates/ http://www.healthinsurancefinders.com/advice/insurance-company-rates/#comments Sun, 10 Jan 2010 03:50:41 +0000 QA http://www.healthinsurancefinders.com/advice/?p=5418 http://www.healthinsurancefinders.com/advice/insurance-company-rates/feed/