FAQs

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 is a health insurance plan?

How does an insurance policy "protect" me?

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?"

If I think certain words in my policy mean something different from what my insurance company says they mean, how do we resolve it?

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?

How do I obtain health insurance?

Are there any limitations on what an insurance company can charge for 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 my health insurance coverage, 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 if the insured lied about a heart attack?

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 are my legal remedies if a health insurance company or plan refuses to pay a claim for a benefit or service?

Would I need an insurance lawyer to handle my case?

I currently am on worker's compensation. Can my employer make me pay for my own health insurance while I'm off?

What will happen to our health insurance for my dependent children and I after the divorce from their father?

How long will my medical insurance allow my new baby and myself to remain in the hospital following childbirth?

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?