General Health Insurance Questions
	Health Insurance Articles
	Benefits and Claim Procedures
	Cancellation
	Coverage
	Denial
	Divorce
	Employer bankruptcy
	Employer sponsored plans and benefits
	Government regulation
	Government sponsored plans
	Health Insurance Policy Review in Laymans Terms
	HMOs
	Public Health Benefits
	Premiums
	Private indemnity policies
	Purpose
	Rates
	Self-employed
	Social Security recipients
	Spousal support payments
	Kaiser of Northern California Kidney Transplant
	MEGA Life and Health Insurance Co.
	USC Liver Transplant Program under Review

   Insurance Law
   Insurers Bad Faith
   Life Insurance Law
   Long Term Care
   Property Insurance
   Viaticals

    FAQs

• Are there any limitations on what an insurance company can charge for insurance?
• I have incurred substantial medical bills for my children. My health insurance is paid through employee deductions. Now I find my company has not paid its insurance premiums and has filed bankruptcy. Is there any way to force my company to pay the coverag
• What is a health insurance plan?
• How does a health insurance policy or health plan protect me?
• How do I determine what my health care coverage or benefits are?
• Suppose the contract or booklet is ambiguous or unclear?
• What are ‘definitions,’ ‘benefits,’ ‘limitations,’ and ‘exclusions?’
• Are there any government agencies that regulate how health insurance companies or plans operate?
• Will one of these many agencies be able to help me?
• Is a business required to provide health insurance to employees?
• How do I obtain health insurance?
• Can a health insurance company or health service plan cancel my policy for membership for any reason?
• Can the insurer or plan cancel or rescind at any time?
• Can I cancel my health insurance, and will there be a penalty or adverse consequence?
• If I cancel do I get my unused premium back?
• Are there dangers in cancelling health insurance?
• What are typical problems that arise in getting health care benefits provided or paid?
• What can, or must, I do when a health insurance company or plan refuses to pay a claim or provide a benefit or service?
• What is the appeals and grievance process like?
• I currently am on worker's compensation. Can my employer make me pay for my own health insurance while i'm off?
• What are my legal remedies if a health insurance company or plan refuses to pay a claim for a benefit or service?
• Would I need a lawyer to handle my case?
• What is health insurance?
• What is private indemnity insurance?
• What are health care maintenance organizations?
• What about employer sponsored plans?
• Are there government sponsored programs?
• What is a health insurance policy?
• What if the insured lied about a heart attack?
• If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
• How does an insurance policy ‘protect’ me?
• What will happen to our health insurance for my dependent children and I after the divorce from their father?
• My father who has conjestive heart failure and type 2 diabetes recently underwent a quintuple heart bypass. His medical bills are staggering and he has no health insurance. Short of filing bankruptcy, what are his options in getting these amounts reduced?
• How long will my medical insurance allow my new baby and myself remain in the hospital following childbirth?
• What to Ask Insurance Salespeople When Buying a Medical Insurance Policy

    FAQs

• What Does Waiver and Estoppel Mean to You on Your Life, Disability and Health Insurance Claim?
• Michael Moore’s Sicko: Is It Really Accurate?
• Will Sicko Prompt Changes In US Healthcare?
• Sicko Becoming More Than Just a Movie

    FAQs

• Health Insurance Policy Benefits and Claim Procedures: Introduction
• Benefits and Claim Procedures: Pre-Existing Condition Limitation on Your Health Insurance Policy
• Miscellaneous Benefits -- Mental and Emotional Disorders, Alcoholism and Drug Abuse, and Childhood Immunizations
• Services Subject to a Deductible----Outpatient Therapy and Home Health Care
• Prescription Medicines
• Services Subject to a Deductible-- Hospice Care, Medical Equipment, Skilled Nursing Home, and Diabetes Supplies and Services
• Services Subject to a Deductible----Inherited Metabolic Disorders, Adult Wellness and Preventive Care, Prostate Cancer Screening and Pap Smear Screening
• Services Subject to a Deductible--Osteoporosis Screening, Childhood Wellness and Preventive Care, General Anesthesia for Dental Procedures, Outpatient Prescription Drug Benefit
• Incurred Expenses Not Regarded As Covered Expenses and Medical Necessity Defined Under Health Insurance Policy
• Benefits and Claim Procedures: Emergency Room Services
• Benefits and Claim Procedures: Health Coinsurance
• Health Insurance Co-Pays, Deductibles and Pre-Certifications
• Accidental Injuries, Ambulance Transportation, Office Visits, and Outpatient Lab and Diagnostic Tests
• Miscellaneous Benefits--Mammography Screening
• Outpatient Surgery
• Pre-certification of Treatment by Health Insurance Company
• Treatment of Teeth and Surrounding Tissue and Structure; Acts of War; When There Is Government Coverage Available; and Experimental Drugs
• Continuation of Coverage When Premium is Not Paid by Premium Due Date
• Experimental Procedures, Eye and Eat Treatments, Alcohol and Drug Intoxication, Intentionally Self-inflicted Injury, Suicide
• Medicare Eligible Insureds and Increases in the Lifetime Policy Maximum Per Insured
• Investigative/Experimental Drugs, Immunosuppressants, and Psychotherapeutic Drugs
• Allergy Kits, Abortificants, and Prescription Drugs Produced from Blood or Blood Products
• TMJ and CMD, Contraceptives, and Sexual Dysfunction
• Obesity, Behavioral or Learning Disorders, ADD and ADHD, Land or Water Vehicle Racing, Mental and Emotional Disorders, Alcoholism and Drug Addiction/Abuse, Maternity Benefits
• Non-Waiver
• Aviation, Cosmetic Surgery, Sterilization Fertility Treatment, and Sex Change
• International Service, Voluntary Abortion, Services Provided by a Family Member; Excluded Conditions, Illegal Occupation or Activity

    FAQs

• Can a health insurance company or health service plan cancel my policy for membership for any reason?
• Can I cancel my health insurance, and will there be a penalty or adverse consequence?
• If I cancel do I get my unused premium back?
• Are there dangers in cancelling health insurance?
• I currently am on worker's compensation. Can my employer make me pay for my own health insurance while i'm off?

    FAQs

• Can I lose my health insurance after I'm fired or quit?
• Do I automatically lose my health insurance when I lose my job?
• What are typical problems that arise in getting health care benefits provided or paid?
• I currently am on worker's compensation. Can my employer make me pay for my own health insurance while i'm off?
• What is private indemnity insurance?
• If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?
• What will happen to our health insurance for my dependent children and I after the divorce from their father?
• My father who has conjestive heart failure and type 2 diabetes recently underwent a quintuple heart bypass. His medical bills are staggering and he has no health insurance. Short of filing bankruptcy, what are his options in getting these amounts reduced?
• How long will my medical insurance allow my new baby and myself remain in the hospital following childbirth?

    FAQs

• What can, or must, I do when a health insurance company or plan refuses to pay a claim or provide a benefit or service?
• What is the appeals and grievance process like?
• What if the insured lied about a heart attack?

    FAQs

• Can medical insurance be included in alimony?
• What will happen to our health insurance for my dependent children and I after the divorce from their father?

    FAQs

• I have incurred substantial medical bills for my children. My health insurance is paid through employee deductions. Now I find my company has not paid its insurance premiums and has filed bankruptcy. Is there any way to force my company to pay the coverag

    FAQs

• Can I lose my health insurance after I'm fired or quit?
• Do I automatically lose my health insurance when I lose my job?
• I currently am on worker's compensation. Can my employer make me pay for my own health insurance while i'm off?
• What is private indemnity insurance?
• Does an employer have to offer employees benefits, such as vacations, health plans, pension, etc.?

    FAQs

• Are there legal limitations on insurance company business practices?
• Are there any government agencies that regulate how health insurance companies or plans operate?
• Who regulates them?

    FAQs

• Are there government sponsored programs?

    FAQs

• Health Insurance Policy Analysis Introduction
• Health Insurance Policy Time Limit on Certain Defenses Provision or the Incontestable Provision
• Renewal and Reinstatement Provisions in a Health Insurance Policy
• “Notice of Claim” and “Claim Forms” Provisions in a Health Medical Insurance Policy
• “Proof of Loss” and “Time for Payment of Claims” Provisions in Health Medical Insurance Policy
• “Physical Examinations and Autopsy” and “Legal Actions” Wording in Health Medical a Insurance Policy
• “Change of Occupation”, “Misstatement of Age”, “Unpaid Premium”, “Illegal Occupation”, Provisions in Health Medical Insurance Policy
• “Initial Premium Provision” in a Health Medical Insurance Policy
• “Renewal Premium” in a Health Medical Insurance Policy Explained
• Continuation of Coverage When Premium is Not Paid by Premium Due Date
• Insurance with Other Insurers: Duplication of Insurance Coverage

    FAQs

• What are health care maintenance organizations?

    FAQs

• Public Health Benefits for the Injured or Disabled

    FAQs

• Are there any limitations on what an insurance company can charge for coverage?
• If I cancel do I get my unused premium back?

    FAQs

• How do I obtain health insurance?
• What is private indemnity insurance?

    FAQs

• What is health insurance?
• How does an insurance policy ‘protect’ me?

    FAQs

• Are there any limitations on what an insurance company can charge for insurance?

    FAQs

• How do I obtain health insurance?

    FAQs

• How do I obtain health insurance?

    FAQs

• Can medical insurance be included in alimony?

    FAQs

• Kaiser Permanente’s Kidney Transplant Program Leaves Many Still Waiting
• Kaiser Permanente’s Kidney Transplant Program: Kaiser Mismanagement Under Investigation
• Kaiser Permanente’s Kidney Transplant Program: Kaiser Mismanagement and Patient Injuries

    FAQs

• Will Your Insurance Policy Cover Your Hospital Costs?
• Buyers Beware of Health Insurance Policies from Health Markets of Texas & Mid-West Life Insurance Company of TN
• Insurers Taking Advantage of Rising Healthcare Cost
• MEGA Life and Health Insurance Company: Bad Faith Denial of Claims
• Medicare May Be a Dream Compared To MEGA Health Insurance

    FAQs

• More Problems for California’s Transplant Programs: Is USC Next in Line for Transplant Lawsuits?
• USC Liver Transplant Program under Investigation: Third California Hospital Faces Review
• USC’s Liver Transplant Patients Show Low Survival Rate