Input: Is My Car Insurance Good In Mexico?

Output: Not unless your auto insurance policy includes Mexico in ` Policy Period and Territory ' or whatever substitutes for this . My New York Personal Auto Policy has a Part F - General Provisions which states : A. '' Thispolicy only applies to accidents and losses which occur ; 2 . within the policy territory . '' Farther on the policy reads : C . The policy territory is : 1 . The United States of America , its territories or possessions ; 2 . Puerto Rico ; or 3 . Canada . Over the years I have listened to experts advise `` always purchase valid Mexico insurance before you drive your vehicle into Mexico no matterif you or anyone else thinks your policy covers driving your vehicle in Mexico . '' If you can not read and/or interpretyour policy , have a competent , knowledgeable agent or broker read it for you and look for the policy territory to include Mexico to find your answer .


Input: What Makes Car Insurance Cheaper?

Output: If you are asking what helps keep your auto insurance rates lower , then there are many factors that can help with this . A clean driving record would be the first - no tickets and no accidents . A high credit score would be another . If you are a student a 3.50 gpa or above will typically get you a discount . A married person will typically have lower rates than a single person . There are many other factors can come into play here also , but these are some of the most prominent ones .


Input: How Quickly Can You Get Auto Insurance?

Output: You can purchase auto insurance very quickly online through a reputable and reliable website through an experienced broker . Often , it 's the same day , or possibly at one sitting . Your ID cards can be printed from your computer and a declarations page explaining your specific coverage can also be printed quickly . Other documents can be downloaded or printed . The process is simple . You will need the serial number of the vehicles to insure , driver 's license information and the policy number of your prior or existing policy . You may also need information regarding other drivers in the household . After picking your desired coverage , you pick the billing preference and soon afterwards , you can often be covered . As always , live help is available and willing to guide you through the process .


Input: How Quickly Can You Get Auto Insurance?

Output: That depends on you and your agent . If there are no extenuating circumstances a policy could be written within minutes . If you have tickets or other moving violations getting a policy issued may require underwriting approvals . Contact your local agent and they can help you get the coverage that you want and need in a very timely manner .


Input: How Do I Get Homeowners Insurance?

Output: In order to obtain Homeowners Insurance , it is first necessary to request a quotation to include the coverage limits and deductible you require . Once you have an acceptable quote , a payment must be made in order to bind coverage and produce a home insurance policy . There is a link providing an online format to obtain a quote and buy home insurance online in multiple States ; it may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: What Is The Penalty For Not Buying Health Insurance?

Output: Starting Jan. 1st , 2014 , the tax penalty for not having health insurance is $ 95 per person for the year , up to 3 persons max per household and where dependents under 21 count as half a person ; or 1 % of annual income , whichever is greater ... So , a family of 4 or more , would only pay a max of $ 285 in 2014 -LRB- $ 95 x 2adults = $ 190 , plus 2 children at $ 47.50 = $ 95 , for a total of $ 285 -RRB- . But , for a single individual non-dependent , they would most likely pay the 1 % of income , up to the $ 285 max -LRB- i.e. a single 33yr old with $ 22,000 annual income would pay 1 % or $ 220 for the year , because $ 220 is greater than the $ 95 per person and below the $ 285 max household -RRB- . After 2014 the tax penalty increases to $ 325 in 2015 , or 2 % of income up to $ 975 max -LRB- 3x $ 325 -RRB- . Followed by $ 695 in 2016 , or 2.5 % of income up to $ 2,085 max -LRB- 3x $ 695 -RRB- ; and then adjusted to Cost of Living Increases thereafter . Also , the penalty can be prorated . So , if you are only uninsured for 1 month out of the year where a penalty would be applied , you would only pay one month 's worth of penalties -LRB- i.e. For 2014 , if you miss one month you would pay $ 95/12 = $ 7.92 per person , or 1 % of your income/12 -RRB- . And due to the application processes and effective dates for insurance , one day of being uninsured , equals one month . So , be very aware of when you apply for insurance and when it will take effect . It 's best to work with an insurance agent or broker , and an accountant , to calculate the exact tax implications for your individual situation ; to assure that you are indeed responsible to pay the tax or if you are exempt from it .


Input: Does My Health Insurance Cover Gastric Bypass?

Output: It might depending on the reason for the Gastric Bypass . Most companies will only pay for any procedure if it is medically necessary . If the Gastric Bypass is more cosmetic and is used simply for a weight loss strategy then if may not be covered . Check with your insurance company or have your doctor do so before agreeing to the surgery .


Input: What Happens To My Retirement Plan When I Die?

Output: The answer is , it depends . If you have not yet retired your estate or designated beneficiary is entitled to your vested amount in the fund . Some plans also have a pre-retirement death benefit funded by life insurance . If you have retired and are collecting a monthly amount , if you chose a survivor option your designated beneficiary will receive their portion .


Input: How Much Does The Average Family Pay For Health Insurance?

Output: The average family pays about $ 350 - $ 700 per month for their health insurance . But keep in mind that in some areas , rates are significantly higher . Also , there are going to be situations where rates will be quite abit lower as well . Some of the factors include federal subsidies , family income , health conditions and type of coverage . And the state where you reside will impact premiums .


Input: What Is 5 Year Term Life Insurance?

Output: 5 Year Term Life Insurance can be annual renewable term or guaranteed level term . Using a short period for term life insurance can provide inexpensive coverage . Some short period term life insurance can also include a convertibility clause to permanent life insurance that could extend term coverage in the event that the original financial liability remains after five years or new liabilities have emerged .


Input: What Is 5 Year Term Life Insurance?

Output: 5 year term life insurance is life insurance that will usually stay the same price for 5 years . Not many companies sell 5 year term life , so the prices may not be as competitive as 10 year term , which is more popular and thus , often used in place of 5 year Term . There is no penalty to drop term life insurance before the term is up .


Input: What Is 5 Year Term Life Insurance?

Output: The insurance company has an actuary who studies death statistics . This actuary will determine the likelihood that someone of your age will die in the next five years . With the addition of some expenses this then becomes the premium charged . The premium and the death benefit remain level . When the term ends the policy expires completely . Many short term policies have a provision to continue coverage , however , the premium tends to move dramatically upwards , because the older you get the more likely that you will die in the coming year .


Input: How Much Is Enough Disability Insurance?

Output: Enough Disability Insurance is what you can afford , and what you need to keep from suffering major consequences if you were to become disabled . The most you can collect from a long term disability policy is about 70 % of your current income . Most people do need that full amount . Other decisions to make in selecting your policy are how soon you want to be paid the benefit -LRB- elimination period -RRB- , how long you want your maximum coverage to last , and what features to include in your policy . Most people choose an elimination period of 3 months to keep premiums down .


Input: How Much Is Enough Disability Insurance?

Output: It would be great if you could purchase disability insurance to cover your entire compensation , but you cant . But you might be able to come close . If you have a business that you can expense the disability premium , you could buy about 80 % of your compensation and cover your contributions to your retirement plan .


Input: What Is Dead Peasant Life Insurance?

Output: As Peggy said this is a policy of insurance that covers all the employees of an organization with life insurance , the death benefit being payable to the company . It could be viewed as an adaptation of key man insurance in that it treats every employee as vital to the organization . It is true that the loss of any employee costs the business something .


Input: What Is Dead Peasant Life Insurance?

Output: Dead Peasant Life Insurance is a nickname given to employer or business owned life insurance taken out on all the employees in a business , from the managers to the janitors . The death benefit is paid to the employer or business when the employee passes away , rather than to the employee 's beneficiary .


Input: How To Save On Home Insurance Premiums?

Output: The easiest way to save on homeowners insurance premiums is to carry high deductibles and combine your auto insurance with the same company that provides your home insurance . Other options that may be available but can vary by company is if you are retired , sometimes certain occupations can get a discount . If you have done upgrades on your home such as a new roof , plumbing , electrical and heating and of course avoid claims if possible by taking good care and maintaining your home . Also an alarm system and/or interior sprinkler system can offer additional discounts .


Input: How To Save On Home Insurance Premiums?

Output: The basic way to lower insurance costs is to increase your portion of the risk . That is usually done by increasing the deductible . There may be options to substantially increase the deductible which could save a good amount . The wrong way to reduce the cost is to reduce liability coverage . That temptation should be avoided . It is extremely hazardous to your financial health .


Input: Does Home Insurance Cover Plumbing Leaks?

Output: If your plumbing leaks and causes damage to your property most homeowners policies will pay for the damaged property unless it is a repeated or continuous seepage . In addition they will pay for the reasonable costs of removing those parts of the building necessary to make repairs . They do not pay for the loss to the plumbing itself , however .


Input: Does Home Insurance Cover Plumbing Leaks?

Output: No , unless the leakage was caused by a covered peril . A homeowners policy is not designed as a maintenance policy . It is designed to protect you from natural disasters , fire , and theft . Even if plumbing was covered you still have your deductible to consider . It probably would n't be worth turning in .


Input: How Much Does Homeowners Insurance Cost For A Condo?

Output: This is going to depend on many factors . Some of those factors are your geographic location , the valuation of your premise , your claims history , the age of the building , the number of units in the building , your distance from the nearest fire department , and many other things . Similar to a homeowners policy I would saybasedon my experience and in my areathat the average cost of condo insurance ranges from $ 50/mo and up . Contact a local agent to get pricing for coverage within your area .


Input: Can I Sue My Own Homeowners Insurance?

Output: My question to you would be Why ? You already have a lawyer on your side it is called your state insurance commissioners office . They are there to help you if you have a complaint about your carrier or your agent . Unfortunately in many cases the issue lies with your agentSad but thru there are agents out there that are just so focused on selling you a policy that they are not looking at the bigger picture and making sure that you are properly protected . the 1ststep you need to take before you go and spend the money to get a lawyer is to call your statecommissioners office and talk to them about what it isyou feel has been done wrong they will let you know if any laws or rules have been broken and canlet you know what you need to do .


Input: Can I Sue My Own Homeowners Insurance?

Output: Based upon my limited knowledge and experience , I believe that it is possible to sue your homeowners insurance carrier . How effective this action would be is another story . If you have a dispute with your carrier , you could always contact the commissioner of insurance in your state to file a complaint .


Input: Who Is The Biggest Life Insurance Company?

Output: The world 's biggest life insurance company , measured by assets , is Japan Post Insurance Company , Inc , according to WEBSITELINK The next largest is AXA S. A. -LRB- France -RRB- , then Allianz -LRB- Germany -RRB- . The largest insurance carrier in the United States is MetLife per this chart . Assets were measured 3/2011 .


Input: Who Is The Biggest Life Insurance Company?

Output: The biggest life insurance company in the world is Japan Post Insurance Co , Ltd. . It had over a billion dollars of non banking assets in 2010 . The biggest life insurance company in the United States is MetLife . It had over $ 730 million of non banking assets in 2010 .


Input: Who Is The Biggest Life Insurance Company?

Output: MetLife is the largest life insurance company in the US on nearly every measure . At one time , in the 1930s , MetLife was the largest company in the world . Their institutional business is enormous . They dominate in most areas of the life insurance business . Prudential by most measures is number 2 followed by New York Life , TIAA-CREF and Lincoln Financial Group .


Input: What Is A Top Heavy Retirement Plan?

Output: A top-heavy plan is one that benefits company officers , owners , employee shareholders , etc. and/or key employees . If a qualified plan becomes top-heavy , there are top heavy tests that ensure the other employees receive fair to equal treatment with similar benefits under the plan . In general , the basic definition of a top heavy defined contribution plan is when total account balances of key employees exceed 60 % of the total retirement accounts .


Input: When Should I Get Renters Insurance?

Output: You should get a renters insurance policy before you occupy a unit that requires that you carry renters insurance . You should get a policy before you put your personal property into a unit because the landlord is not responsible for your property , even if his unit burns to the ground , with your property inside . You should get a policy before you move into a new unit in case someone helping you move is injured and it results in a lawsuit . The landlord doesnt have any responsibility for that either .


Input: How Much Is Medicare Safety Net?

Output: Medicare is designed to cover roughly 80 % of your hospital , doctor and outpatient claims . You are responsible for any Medicare deductibles , coinsurance and copay . Most individuals will purchase a Medicare supplement insurance plan , also known as a Medigap plan , which will pay for some or all of your approved Medicare Part A and Part B claims .


Input: Why Would A Life Insurance Policy Be Denied?

Output: On top of the other answers , I wanted to add another reason life insurance might be denied . If you travel or are in the military which takes you to what is referred to a `` hot zone '' , then you may be denied or an exclusion may be made however it usually is a denial . Even if you are considering vacation down to say Mexico , there are places in that country which companies have on there hot list . Be sure to ask your agent or company if you are covered when you place to leave the states .


Input: Why Would A Life Insurance Policy Be Denied?

Output: A remember to tell the truth about everything and do not leave anything out . They will find it out anyway , and lying is a major reason for denial , along with health issues . Gary Lane , New York Life 949 797 2424 . Thank you .


Input: Why Would A Life Insurance Policy Be Denied?

Output: A life insurance policy could be denied for any of the following reasons : 1 -RRB- The applicant 's health was not controlled . This can be anything from someone with diabetes having an A1C over 10 , to someone with cancer having only months to live . 2 -RRB- The applicant 's health has not been stable for a certain length of time . This can range from someone who had very high blood pressure and only been on medication for one month , to someone with MS who has had a recent major exacerbation . 3 -RRB- The applicant is planning to have major medical testing or procedure done in the near future . In other words , if your doctor has scheduled a test to see if you have Parkinson 's , you will need to wait until after the test to apply . If you have gastric bypass surgery scheduled in two months , the insurance company will ask that you wait until after your surgery to apply . 4 -RRB- The applicant has had a recent bankruptcy that has not been discharged , has undergone recent drug or alcohol treatment , has had numerous traffic violations in the past year , or other non-health related risk factors . The above mostly relate to medically underwritten policies . There are simplified issue policies -LRB- that do not require an exam -RRB- and guaranteed issued policies -LRB- that do not have any requirements -RRB- that can be obtained when a medically underwritten policy will not work . Simplified and guaranteed issue policies do have restrictions on face amounts , you must be in a certain age range to get them , and they are not available in every state . Thus , some people do apply for simplified issue or guaranteed issue policies and get declined simply because they do not fit the age , or it is not offered in their state . This is most common for persons applying by mail or online . If you enlist the help of a good agent , you can avoid many declines by having proper guidance in the first place .


Input: Why Would A Life Insurance Policy Be Denied?

Output: Insurance companies , when they offer coverage in any state , need to file their rates and underwriting standards with the Insurance Department of that state . Different companies may offer similar coverage , in this case Life Insurance , but their underwriting standards may vary . Certain elements like different rates for smokers vs non-smokers are pretty common , for example . However , if the underwriting process which includes a review of health history etc. identifies that you as the applicant for Life Insurance , may not meet the underwriting standards as filed , then the insurang company may deny coverage .


Input: Can Health Insurance Companies See Your Medical Records?

Output: That is a great question ! Almost all insurance companies use a company called the Medical Information Bureau . From that company they can receive information on any insurance claim that has been filed on you . It will not have details on your health , but it will list all of the tests , meds , etc. that the provider turned in on the claim . They also will have access to your prescription history . Between those two , they have a pretty decent idea of what is going on with you . Add to that their ability to have you furnish a Doctor 's statement if needed , and you are pretty much transparent . I strongly advise my clients to be completely open about their medical situation , in any case . Thanks for asking !


Input: What Is Medicare Skilled Nursing Facility?

Output: A Medicare Skilled Nursing Facility is a place where Medicare will pay for people to receive care and rehab for a limited period of time . Skilled Nursing Facilities are usually nursing homes . Once the Medicare benefit runs out , the resident is responsible to make the payments , either from their estate or by going on Medicaid .


Input: Can Life Insurance Be Purchased For Anyone?

Output: Most anyone can purchase life insurance on themself . If you want to purchase life insurance on someone else , you must have an insurable interest . You would usually need to be a spouse , parent , child , or business partner of the insured . You would also need their knowledge and approval . If you buy a funeral Preneed insurance on a family member , they do not have to be aware of it provided you are their next of kin and will be responsible for their funeral costs .


Input: Can Life Insurance Be Purchased For Anyone?

Output: Most individuals can buy life insurance if they are in good health . In some cases they may have to consider a graded death benefit policy . These graded death benefit plans do not pay the full face amount initially , but instead pay a return of premiums paid in the case of early death .


Input: Can Life Insurance Be Purchased For Anyone?

Output: Because there are so many types of life insurance policies , there is life insurance for almost everyone who wants it . Most policies have some health and age restrictions , so that people with good health , and between the ages of 20 and 60 , have more choices than persons who fall outside those parameters . The most difficult coverage to find is for younger children with a serious health condition ; a good reason to purchase policies for children , or put them on a child rider , shortly after birth .


Input: Can Part Time Employees Get 401K?

Output: The Internal Revenue Code -LRB- IRC -RRB- section 401 -LRB- k -RRB- allows companies to establish plans for their employees . The code governs the taxation of the plan . The actual administration of the plan is left to the employer . An employer sets the requirements for participation . If you are an employee you can check with your plan administrator to determine if you are eligible .


Input: Can Part Time Employees Get 401K?

Output: Can a part time employee qualify for a 401k ? Going to depend entirely on the employer as the IRS spells out the guidelines as to what an employer ca n't do , they leave a lot of room for an employer to decide what they can do . That said , it would be an exceptional employer who would offer 401k benefits to a part time employee as there is a cost per head to the employer for offering a 401k .


Input: How Do I Find A Lost Life Insurance Policy?

Output: Finding a lost life insurance policy can take a little detective work . If you know the name of the carrier , simply call and request either a copy of the policy -LRB- for a fee -RRB- or ask for the `` declaration page '' which will give you all the information you need free of charge . If you do n't know the company , check for past payments that were made through a checking account or other bank account . Finally , check with findyourpolicy.com which may have a record of the policy .


Input: How Do I Find A Lost Life Insurance Policy?

Output: I assume you have lost the pieces of paper . If that is the case , see if you can find a recent premium notice or check to see if money has been withdrawn to pay a premium . Those items frequently have the policy number . If you can not locate the policy that way just write to the insurance company and tell them that a Billy goat ate your policy . They will be glad to give you a copy .


Input: Is Stonebridge Life Insurance Company Legitimate?

Output: Stonebridge Life Insurance Company is an AEGON company . Aegon N.V. is a very large , multinational headquartered in the Hague , Netherlands that is currently rated A + by AM Best . Stonebridge Life Insurance Company was rated A by AM Best in June of 2012 . It 's administrative office is in Plano , TX .


Input: Who Administers Medicare And Medicaid?

Output: The Centers for Medicare & Medicaid Services -LRB- CMS -RRB- provides all operations and oversight for these two programs and is a part of the Federal government . Medicare is for people who are 65 and over , or for individuals with certain disabilities and Medicaid is designed for low income individuals that would otherwise be unable to afford health care . Medicare only pays for services that are deemed `` medically necessary '' .


Input: Does Medicare Cover Assisted Living In New Mexico?

Output: Medicare does not cover assisted living costs in New Mexico , as it does not cover the cost of assisted living in any of the 50 United States . Medicare Part A will continue to cover hospitalization and other expenses that it covered before moving to assisted living , as will Part B , Part D , etc. . But the residential costs , food , custodial care , etc will not be covered by Medicare .


Input: What To Look For When Purchasing Car Insurance?

Output: When purchasing auto insruance find yourself a local agent that you are comfortable working with . This person will assist you by providing you with the coverage choices that they have available . Depending on your situation they will be able to help suggest coverage levels to help protect you and your family from potential financial hardships .


Input: What Is The Difference Between Pmi And Home Insurance?

Output: PMI insurance and home insurance are completely different . Home insurance protects you , the home owner , from damages or liability with regards to your house and property . PMI insurance on the other hand protects the mortgage holder from you . PMI insurance protects the lender from losing their money in case you can not afford to make your mortgage payment . Because of this insurance , they are willing to provide more money to the home buyer than they would based on collateral alone .


Input: What Is Net Cash Value On Life Insurance Policy?

Output: The net cash value on a life insurance policy is the net cash value you would receive if you surrendered your policy . -LRB- Not including tax if applicable -RRB- With whole life policies this is the sum of the guaranteed cash value plus any dividends less any indebtedness . With Universal life policies , there is often a surrender charge for the first number of years . So the net cash surrender value would be calculated as cash value less loans and surrender charge -LRB- if applicable -RRB- . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community .


Input: What Is Net Cash Value On Life Insurance Policy?

Output: With a permanent policy , you build up equity . After a year or so , you may choose to borrow against the money you are building up . If you take a loan , the remaining equity is the net cash value , the money you be able to get if you closed the policy . If you repay the loan , that net cash value goes up by the amount repaid -LRB- give or take interest -RRB- . You are far better off taking a loan , which you can keep tax free , than cancelling a policy and taking out the cash , upon which you would have to pay tax . Thank you . GARY LANE .


Input: Can I Leave Life Insurance To A Minor?

Output: Yes , many people do leave life insurance as a minor , especially as a contingent beneficiary . If death would occur before the child is the age of 18 or 21 , depending on the state , there must be a financial guardian to administer the life insurance proceeds for the child until they reach adulthood . So it is better to name an adult who you can trust to act in the best interest of the child , or to a trust , or have guardianship issues spelled in a will or trust . Consult an attorney for your best option .


Input: Why Do I Need Part B Medicare?

Output: Medicare Part B is all the outpatient charges , the doctors , the lab work , the outpatient surgery , etc. . You may wan to pay all these costs out your abundance of cash flow but most of us would be bankrupted if we did not have Part B . When was the last time you had outpatient surgery and what did it cost . When I had cataract surgery it was done as outpatient and since most of the surgery today is done outpatient unless the procedure requires you being hospitalized for the minimal out of pocket expense Part B costs it is a good investment


Input: What Is Medical Disability Insurance?

Output: Medical Disability Insurance appears to be a reference to Long Term Disability Insurance . As such , that is a policy that would pay part of your income back to you during an extended time of being unable to perform your job due to illness or injury . If referring to Medicare Disability , that it is the benefit received through Social Security if unable to work due to disability .


Input: Can I Tow A Car With No Insurance?

Output: This isnt a legal issue in most states . The issue would be the potential for loss . Even if the car is in the barn it can have a loss . Lightning could hit the barn and destroy the car . The same is increased when the vehicle is being towed on a road . In addition to a stray bolt of lightning , there are now other cars and they sometimes tangle with towed cars . So you can have both a comprehensive and a collision loss on a vehicle that is being towed .


Input: Is Car Insurance Higher On A Red Car?

Output: Insurance companies hire people call actuaries . These people sift through mountains of data from insurance claims to look for factors that might predict future claims . If the color of a car was statistically significant , the company could appeal to your state insurance commissioner and ask that color be a part of the rating scheme . The fact that it isnt indicates that there isnt sufficient proof that red cars have more accidents ; however , if they have a red light on the roof they might have a higher accident rate .


Input: Is Car Insurance Higher On A Red Car?

Output: More than likely not these days . There was a time many years ago when having a red car , or one with 2 instead of 4 doors or a convertible vs a hard top may have had an effect on car insurance premiums . I think we would all agree that looking back on it , these were pretty subjective standards . These days underwriting is much more sophisticated . Today , companies use vehicle identification numbers to track statistics for loss history and repair costs among a great many other things in order to develop proper premium .


Input: Is Car Insurance Higher On A Red Car?

Output: Car insurance is not higher on a red car . The color of your vehicle is not part of the underwriting guidelines that determine rates . However , a higher percentage of drivers of red cars tend to drive faster , which could contribute to higher pricing on their own policy . Live answer provided by : Ed Harris - Car Insurance broker since 1980 .


Input: Is Zostavax Covered By Medicare?

Output: It will depend on the prescription drug plan you are in . Medicare only covers certain injectable , chemotherapy drugs under Part B . The best way to find out which plan covers your drugs is to go to Medicare.Gov and look under find Medicare Plans . If you have a problem doing this a good agent can help walk you through the process or look them up for you . If you have a prescription drug plan , you should have received a copy of their formulary . If not go on the company website and you can usually find out that way , or call the customer service number on the back of your card .


Input: Is Zostavax Covered By Medicare?

Output: Zostavax is not a cancer drug , but used as a vaccine for Herpes Zoster -LRB- shingles -RRB- . Zostavax is the only drug licensed in the US that is approved for reducing the risk of shingles . Medicare does cover the shingles vaccine -LRB- Zostavax -RRB- under Medicare Part D. Your doctor may administer the vaccine but can not bill Medicare for the drug .


Input: Does Health Insurance Cover Morning After Pill?

Output: Possibly , but not likely . While most health insurance plans cover birth control pills , the `` morning after '' pill is not designed to PREVENT pregnancy , but rather to end a pregnancy in the early stages . Ingestion of the morning after pill can lead to spontaneous abortion . Since it is not technically a preventive medication , good chance your health insurance carrier will deny coverage for the morning after pill .


Input: How Do I Find A Life Insurance Policy?

Output: Did you know there are millions of dollars from life insurance policies that have not been claimed ? The good news is there is a way to find old life insurance policies . Go to MIB.com ... I believe in the upper right corner it says something like , `` find lost policy '' . Click on it . Follow the instructions . There is a small fee for this so be prepared . I always like to tell my clients to be sure to let your family , lawyer and or beneficiaries where those documents are . Or put that information in your will or other documents which will be looked at upon death .


Input: How Do I Find A Life Insurance Policy?

Output: You can search for a life insurance policy by looking through the deceased person 's financial records , checking out places they might hide documents , asking their family members if they mentioned purchasing life insurance , contacting a local agent they may have used , or calling insurance companies that you know they liked . You do not have to find a hard copy of the policy to collect the death benefit . After a few years , the policy may show up as unclaimed property on state notices .


Input: How To Sell Life Insurance Online?

Output: To sell life insurance online , you need to set up a website and determine how to drive traffic to it . Or you need to purchase leads . Or both . If you can do both , you will have a backup in case your website experiences technical difficulties , and you will have some lower cost `` organic '' leads in case you do not make enough off your purchased leads .


Input: How To Sell Life Insurance Online?

Output: This question is a bit vague however if you are an agent and looking for online solutions to sell life insurance that does not require any agent involvement , no medical including blood and urine , only simplified underwriting with 4 questions , then yes , there is an answer for you . This is just a simple 20 year term with Return of Premium built in . Right now , this is the lowest cost ROP as well compared to other ROP companies such as Transamerica , Mutual of Omaha , American General , etc. . Smoker and non-smoker rates available . All you have to do is drive prospects to your website you get . You will need to contact me direct to get more details on the company . Matt - -LRB-720-RRB-708-5498


Input: Can I Keep A Car Without Insurance?

Output: You may certainly keep a car that is un insured , but you probably wo n't be able to regester and drive it on public roads . In CT as in most states , car insurance is a requirement for registration and use of any car on public roads and highways . Some farms maintain vehicles that are used strictly on their land and never leave the property . In cases such as this the state regulations generally do not apply . General rule of thumb : if it needs to be registered to use , then it needs to be insured .


Input: Can I Keep A Car Without Insurance?

Output: States have different rules but in Virginia you have to turn in your tags before cancelling your insurance . If you have tags on a car , regardless if the car is drivable or not , you have to maintain insurance . Failure to do so will result in a suspension of your driver 's license , fines and an SR22 .


Input: Is Renters Insurance More Than Homeowners?

Output: No . Renters insurance is a lot less expensive than homeowners insurance . Renters insurance provides coverage for your personal property and provides liability coverage . Homeowners insurance provides coverage for the structure , personal property and liability . Renters insurance is one of the best deals you can buy . For $ 150 a year you can obtained coverage for all your personal property plus liability coverage .


Input: Can An 80 Year Old Get Long Term Care Insurance?

Output: The time to purchase Long Term Care is when you are healthy and in your fifties or sixties . I do not know of any company that will issue a Long Term Care Policy to an eighty year old and if there were the premium would be extremely high . There are some alternatives however . Some companies will offer Short Term Care or Home Health Care policies up to age 85 . While not as comprehensive as a full Long Term Care policy they can help with the high cost of care when needed . There are also other planning solutions that can help . A Long Term Care Resource Planner can help find a solution .


Input: When Do I Need Long Term Care Insurance?

Output: You need to begin your search on long term care insurance no later than age 50 . You should be purchasing long term care insurance no later than age 60 . These are just rules of thumb . But the sooner the later based on health deterioration as you become older and the premium becomes larger .


Input: When Do I Need Long Term Care Insurance?

Output: You need long term care insurance when : 1 -RRB- You have substantial assets you want to protect , and insufficient income to pay for your own long term care expenses without depleting them ; 2 -RRB- You have enough income to comfortably pay for long term care insurance premiums and want to provide peace of mind for you and your family for your future ; 3 -RRB- You want to live in a specific place to receive your care and may not be able to do so without being able to pay privately -LRB- with the funds that long term care insurance provides -RRB- ; and/or 4 -RRB- You want to hire a relative to live with you to provide your care if you become unable to care for yourself , and probably would not have the money to do so without long term care benefits . The best age for buying long term care insurance , in my opinion , is between 50-60 years old .


Input: Do Federal Employees Have Disability Coverage?

Output: The federal government does not directly provide disability coverage to its employees . There are very generous sick leave policies , but not true disability . There are a variety of private insurance carriers that sell to federal government employees indirectly . Some allow union members to purchase policies as a member benefit . Others have group plans that allow you to fund premiums directly from PayCenter and Postalease allottments .


Input: Does HIPPA Apply To Life Insurance Companies?

Output: Legally , life insurance companies to not have to adhere to HIPPA . However , most life insurance companies utilize an application that includes a HIPAA form that must be signed so that the life insurance companies can access your medical information and complete their underwriting process .


Input: Who Made Car Insurance Mandatory?

Output: If car insurance is mandatory , there are two possible entities that make it so - either your State Department of Motor Vehicles or your auto loan or leasing company . Usually these days it is both . Most states require car insurance as part of their procedure for registering a car . In all cases if you have a loan , the lender will require you to carry both Comprehensive and Collision coverage in order to be sure that their interest is protected . If you are leasing your car , not only will Comp and Collision be required , but Liability coverage as well .


Input: Does Home Insurance Usually Cover Busted Pipes?

Output: Yes , no and maybe ! Water damage subsequent to a pipe break is typically a covered loss . What was the cause of the pipe break ? If freezing was the cause of the loss the repair of the pipe is likely to be covered as well . If there was no apparent cause of the break , for example a defect in the pipe , then the actual repair of the pipe would not e covered . A home is generally the largest purchase most of us make . It would be wise to sit down with an insurance professional to review your needs and wants , and the limitations inherent in homeowners insurance .


Input: How To Become A Medicare Expert?

Output: Many courses are offered but you must be ready to study and learn diligently to truly become a medicare expert . Find a mentor to aid in your quest . Medicare.gov offers a wealth of information.It truly does take months of study combined with practical application to possibly achieve an expert status ...


Input: How To Become A Medicare Expert?

Output: You become a Medicare expert the same way you get to Carnegie Hall . Practice , practice , practice . Your level of expertise is proportional to your willingness to study and learn the intricacies of the Medicare system . Most will need months of study and practical application to become proficient in the Medicare system .


Input: Is Structural Damage Covered By Homeowners Insurance?

Output: Yes , homeowners insurance covers the structure , foundation , and roof -LRB- unless excluded in your policy -RRB- for covered perils . Most standard home insurance policies will come with coverage for additional structures as well -LRB- shed , detached garage , guest house , etc. -RRB- . The policy covers the cost to rebuild from ground up , as long as the damage occurred from a covered peril .


Input: What Is Homeowners Insurance Based Off Of?

Output: The premium for a homeowners policy is based on the location of the home , the value of the home , the age of the home , the fire protection available , and the loss history of the home and the occupants . While these determine the rate there are other items of interest to underwriters which can cause them to modify the premium or deny coverage . These items include but are not limited to the presence of wood burning devices , aggressive animals , dangerous sports equipment , and general poor maintenance .


Input: When Are Employers Required To Provide Health Insurance?

Output: The shared responsibility mandate -LRB- also referred to as `` pay-or-play '' -RRB- was scheduled to go into effect January 2014 . However the decision to delay the enforcement of this regulation has rescheduled it for January 2015 . There will not be a requirement for a employer to offer health insurance however there will be a penalty for businesses who employ more then 50 FTE 's -LRB- full time equivelents - employees who are on the clock as their 50 full time counterparts -RRB- , the penalty will be $ 2,000 multiplied by the number of FTE 's minus the first 20 . So a business with 60 FTE 's will occur $ 80,000 in fines - 60 FTE 's minus the first 20 FTE 's = 40 FTE 's that the business will be penalized for multiplied by $ 2,000 . A insurance broker who specializes in employee benefit plans will be able to provide you with the clearest explenation by communicating your options with the spicific variables that are key in your strategic employee benefit plan management .


Input: Can I Decline Part A Medicare?

Output: You can decline Medicare part A with several restrictions . You can not get Medicare part B without having part A. Additionally , you will face a significant penalty for signing up after age 65 if you do decline Medicare part A . The one time individuals should decline Medicare part A is if they continue to work beyond age 65 and have employer provided health insurance . In that circumstance , the individual can sign up for Medicare when they retire , leave the company , or lose employer coverage with no penalty . Contact your company HR or local Social Security office for details . The company will normally provide a document to the Social Security Administration that the individual have employer coverage up until a certain date . It is important to start the process at least three months prior to your retirement .


Input: When Was Part D Medicare Established?

Output: Medicare Part D was established on January 1 , 2006 . The last day of open enrollment was at the end of May , 2006 , and Part D Medicare went into effect on June 1 , 2006 . This Medicare Prescription Drug Coverage was enacted as part of the Medicare Modernization Act of 2003 -LRB- MMA -RRB- .


Input: What Kind Of Life Insurance Is Right For Me?

Output: It is not possible to know what is right for you specifically without meeting with you . In general , consider whether your protection needs are temporary or indefinite . Temporary or finite needs of less than 30 years can be met by term life insurance for periods such as 10 , 15 , 20 or 30 years . The coverage is surprisingly affordable -LRB- dollars per day -RRB- . When the policy expires , coverage ends . To prevent that , either consider permanent -LRB- cash value -RRB- life insurance now or in the near future to ensure you do not outlive your life insurance . Meet with a life insurance professional who can analyze your situation and recommend exactly what you need .


Input: What Kind Of Life Insurance Is Right For Me?

Output: The type of life insurance that is right for you will depend on many factors and should be discussed with an insurance professional . If you only want a death benefit , then a term might suffice , or permanent policy if you want the coverage to last beyond 30 years . If you are looking for a financial vehicle to use for college funding or tax-free retirement income , then you should look into an indexed universal life insurance policy . There are several policy types and uses that would require more information to advise you properly .


Input: Does ERISA Cover Health Insurance?

Output: ERISA -LRB- Employee Retirement Income Security Act -RRB- signed in to law in 1974 . The primary intent of the law was to provide employee safeguards against abuse if you were a covered participant in a defined benefit pension plan . But the law also extends to certain health and welfare plans including union multi-employer welfare plans and self funded employer group plans .


Input: Does ERISA Cover Health Insurance?

Output: Usually when group benefits are involved , ERISA is involved as well . In simplest terms ERISA is simply a `` did you bring gum for everybody '' law . Employees in the same `` class '' must be treated equally when it comes to group benefits where an employer takes a tax deduction . If the employer wants to write off the cost of providing a benefit , they must provide a consistent set of rules that do not exclude employees within a certain class from participating . Simply if you do it for one employee within a class , you do it for all within the class .


Input: Can Life Insurance Be Used To Pay Off Debt?

Output: Yes , life insurance can be used to pay off debt . Many people buy life insurance to pay off their mortgage , school loans , or other debt if they were to pass away before the debt was repaid . However , the beneficiary of a life insurance policy is free to use the death benefit for other purposes , as well .


Input: Can Life Insurance Be Used To Pay Off Debt?

Output: Retiring debts is often the motivation for purchasing life insurance . Often a lender will require that a life insurance policy name them as a loss payee to make sure that the debt is paid should the person die . The cash value of the life insurance policy can often retire a debt . Although no longer a popular concept , using a whole life policy y to provide the protection for a mortgage results in a cash accumulation that can pay off a mortgage well in advance of its completion , saving a great deal of money .


Input: What Does The T Mean On A Medicare Number?

Output: Your medicare number followed by a letter code is referred to as a claim number . It tells the type of Medicare benefits for which one qualifies . The letter T stands for `` Uninsured - Entitled to HIB -LRB- Part A -RRB- under deemed or renal provisions ; or Fully insured who have elected entitlement only to HIB -LRB- Part A -RRB- '' . The acronym HIB stands for Health Insurance Benefits and Part A is the hospitalization and skilled care part of Medicare .


Input: What Is Guaranteed Cash Value In Life Insurance?

Output: In order to meet its promise to pay the death benefit in exchange for level premium payments over the life of the insured , the company must accumulate money because the actual cost of insurance for a given year will start to exceed the premium . This money is guaranteed in the contract and is known as the cash surrender value . The company will give you the cash or allow you to use it in several creative ways in exchange for a release from their promise to pay the death benefit regardless of when it occurs .


Input: What Is Best Long Term Care Insurance Company?

Output: There are several excellent Long Term Care Insurance Companies in the extended care market . And singling out the best can be a difficult choice given the variables of gender , age smoking status and health condition as well as the premium price tag for the benefits purchased . But that being said the overall winner would be Genworth .


Input: Where To Open A Roth 401K?

Output: That is a great question ! You can first check with your employee benefit plan , and see if the company offers it as an option . If they do n't , there are many financial institutions that will offer them , banks , credit unions , etc. . You will want to shop and find the best one for you . A Roth IRA is a great thing to have , and I 'm pleased to see that you are looking into one . If you need help , please feel free to contact me , okay ? Thanks for asking !


Input: Where To Open A Roth 401K?

Output: A 401 K is an employer sponsored program . You must comply with the plan documents which your employer will provide . Many 401 K plans do not have a Roth option . If your employer has a Roth 401 K then follow the guidance provided . Most plans will provide you with a list of eligible investment options .


Input: I Am Unemployed How Can I Get Health Insurance?

Output: You have to apply with a company for individual or family coverage depending on if you wish to cover yourself or you and your family . You need to be able to show that you have access to some assets to cover the cost of the insurance . You can contact an Insurance professional who can provide you with a quote once they have accessed your situation .


Input: Will Companies Drop Health Insurance?

Output: Some will and some wo n't . Employer 's offer health insurance and other benefits to attract and retain quality employees , reduce turnover and to reduce absenteeism . Also , many employer 's feel a moral obligation to offer health insurance and employer sponsored health insurance is a deductible business expense so it does offer tax advantages . That said , with the introduction of the health insurance marketplaces and advanced premium tax subsidies for individual health insurance under Obamacare , these have added a new consideration for some employers . Depending upon the overall income levels of a particular employer 's workforce -LRB- a business with a lot of low to moderate income employees -RRB- it is possible that offering group health insurance could now be a disadvantage to many employees . This is because they may qualify for premium subsidies in the government marketplaces that actually make the cost of insurance less for them than having it provided by their employer . This is a very complicated issue that has a unique answer for each employer . If you would like an analysis of whether offering or continuing to offer group health insurance is right for your workforce please feel free to contact me .


Input: Can Medicare Be Taken Away?

Output: Medicare Part A is premium-free for most people . You can lose your Medicare Part B coverage if you do n't pay your premium -LRB- $ 104.90 per month in 2014 - the premium can be higher for higher-income individuals -RRB- . Most people will have their Part B premium withdrawn from their social security check or bank account directly -LRB- electronic withdrawal -RRB- so they do n't have a lapse in coverage . If you changed your country of residence , you may lose your Medicare benefits -LRB- Medicare generally does n't provide coverage when you 're in another country , with certain exceptions -RRB- .


Input: What Can I Claim On My Homeowners Insurance?

Output: Your Homeowners Insurance policy provides coverage for a wide range of perils . It is best to talk to your Insurance Professional about the specific terms and conditions , and any limitations included in your policy . It is safe to say that in general , there are two perils that your Homeowners Insurance wont cover namely loos due to earth movement and loss due to flood . In most cases , coverage for earth movement -LRB- sinkhole , earthquake , mudslide etc. -RRB- can be endorsed onto your policy . Flood Insurance , however , must be purchased separately .


Input: What Can I Claim On My Homeowners Insurance?

Output: It really depends on your policy and the perils or causes of loss that apply to the policy . Without knowing type of policy and or the company you are with it is hard to give you a direct answer . However a basic way to look at it is is it a maintenance issue or was damage caused by something like hail or a burglary . i wish I was able to better answer your question but there are so many different policies out there I would be guessintoast your particular situation . if you are getting quotes ask the agent your questions if you currently own a policy get an appointment to sit down with your agent and go over the policy .


Input: What Can I Claim On My Homeowners Insurance?

Output: You can make a claim for anything you 'd like . . whether its going to be covered is another story . Try and limit your claims to large catastrophic losses like a hurricane or a fire . Your policy will cover certain perils . I suggest your read through your policy and contact your agent with questions . Some policies are `` all risk '' and cover everything that is not excluded . Typical exclusions for a homeowners insurance policy are wear & tear , maintenance , intentional acts , flood & earthquake .


Input: How Do Pension Annuities Work?

Output: Assuming the interpretation of the question is correct , qualified retirement plans can purchase a variety of financial products and tax deferred annuities is an option . If a qualified pan purchase a tax deferred annuity , the basis is taxable because the basis or original contributions were deducted under the defined contribution plan .


Input: How Do Pension Annuities Work?

Output: A pension annuity is probably better known as in immediate annuity . This is a contract offered by a life insurance company that provides a lifetime of guaranteed income in exchange for a single deposit . These transactions are usually handled as a roll-over . In such a case the insurance company will coordinate the transfer of funds from the existing accumulation plan -LRB- 401 -LRB- K -RRB- for example , to the annuity . This does not affect taxation , but a CPA is a better source of tax information .


Input: What Is Medicare Advantage Hmo?

Output: Medicare Advantage HMO , sometimes referred to as Medicare Part C , is available through private insurance carriers that contract with Medicare to provide health insurance for Medicare beneficiaries . This particular type of HMO usually has very limited networks bound by county or zip code . Most HMO plans only have coverage in network . If you venture outside the network , except for a medical emergency , you have no coverage .


Input: What Is Medicare Advantage Hmo?

Output: This truly depends on your zipcode as well . Medicare Advantage plans include Hmo , Hmo-Pos , PPO and PFFS plans . Hmo-pos plans work like a ppo in the sense that you have in and out of network benefits -LRB- out of network benefit co pays are normally a little higher -RRB- . Here in Chicago we have many awesome Hmo-Pos plans that not only allow in and out of network benefits but also can include part D , Dental , Vision and other benefits .


Input: What Is Medicare Advantage Hmo?

Output: A Medicare Advantage HMO plan is similar to major medical HMO plans . With a Medicare Advantage HMO you are required to use par doctors , hospitals and other medical providers in the HMO network . If you use non-par providers , in most cases , you have no coverage . Exceptions are made for par provider referrals to non-par providers and for true medical emergency 's .


Input: Which Federal Health Insurance Plan Is The Best?

Output: Best is a subjective term that relies on the factors that you use to qualify it . That being said the different health insurance options available on the FFM -LRB- Federally Facilitated Marketplace -RRB- are - Platinum-90 % , Gold80 % , Silver 70 % , Bronze 60 % , and Catastrophic - Which is only available for individuals under 30 , does n't qualify for subsidies , and only offers limited coverage for more serious medical situations . The percentage value is the amount that will be covered by a plan for a qualified medical expense .


Input: Does Your Auto Insurance Cover You In Rental Cars?

Output: Your auto insurance will cover you when you rent a car with the samecoverage ` syou currently carry on your personal auto policy . All rules , coverage 's deductibles and limits apply . A rental car is considered a temporary substitute vehicle . Keep in mind this must be avehicleof theprivatepassenger type , not U-hauls or commercialvehicles . Also renting a vehicle does not give you permission to loan the vehicle toanotherparty as all operators must be listed on the rental agreement . I recommend you call your insurance carrier before renting a vehicle to make sure your policycoverage ` sare adequate .


Input: Does Your Auto Insurance Cover You In Rental Cars?

Output: The coverage you have on your policy when you rent a car may extend over to that rental . However , it is best to discuss this with your Insurance Professional in order to understand completely the specific terms and conditions of your policy . Another thing to keep in mind is to check with your credit card company as well . Many of the majors include a benefit that would pay up to $ 500 in damages to a car rented on that card . If you have this benefit , it would probably be enough to cover the deductible on your auto policy .


Input: Can I File A Car Insurance Claim Without A Police Report?

Output: There are certain loss claim reoports that can be opened without a police report . In an accident situation , it is , however , always best to have a report filed with the police . But if for example , you hit a deer , or your car catches fire or a tree falls on it , police reports are not generally necessary . If however , it is stolen or vandalized , in most cases , your insurance company will need to see a police report in order to settle your claim .


Input: Can I File A Car Insurance Claim Without A Police Report?

Output: Police may not respond to an accident . They avoid accidents in parking lots -LRB- the scene of many accidents . -RRB- With the proliferation of smart phones , a detail evaluation of a claim can be made by submitting photos of the damage to your car , and any other cars , people or objects . Auto theft is a crime and must be reported to the police .


Input: Can I File A Car Insurance Claim Without A Police Report?

Output: You can file a car insurance claim without a police report . However , if the accident was not your fault , you definitely would want to file a report . Calling the police will often protect yourself in case the story of the other party changes . It is also possible the insurer will request that you file a report .


Input: Can I File A Car Insurance Claim Without A Police Report?

Output: Yes , of course . Not all auto claims involve the police or require an accident report . If the car is involved in an accident of some sort on a public road or highway , or if it is stolen or vandalized , then yes , a police report would be a potential requirement . If however , your car is hit while legally parked , or if a tree falls on it , or you hit a curb or pothole or your garage door while backing out , these are some examples of claims situations where the police would not be involved .


Input: Can I File A Car Insurance Claim Without A Police Report?

Output: A police report is often very difficult to obtain . In many jurisdictions the policy will respond only to accidents involving bodily injury . These jurisdictions often have a report request on their website . However , with the widespread use of smart phones , you can snap pictures at every conceivable angle and establish the loss quite clearly .


Input: Can I File A Car Insurance Claim Without A Police Report?

Output: Yes you can file a auto claim without a police report . In fact if claim involves a collision and there is no bodily injury involved police will seldom if ever come to the scent to do a report . However if the claim involves a theft you do want to file a report to validate the claim .


Input: Can I Get Money From My Term Life Insurance Policy?

Output: No . That is what permanent insurance is for . Term is temporary and builds up no cash equity or borrowing power . When payments end , there is nothing left . If you want that type of benefit coverage , we can certainly help you with it . Thank you very much . GARY LANE 714 422 9616


Input: Can I Get Money From My Term Life Insurance Policy?

Output: Term Life Insurance has come a long way from days past when it just paid you a death benefit to your heirs when you passed . Today , besides having the death benefit , you can design your term life policies to give you access to the death benefit if you have a covered Critical Illness or Chronic Illness along with Terminal illness too . This gives you some flexibility during these hard times . Having the Return of Premium rider on there is another option , basically giving you free insurance if you keep the policy to the end of the term . Generally speaking , the return will be equal to 4-8 % if you were to invest the difference . It all depends on your age , the amount of premium and the length of time you have the policy . Talk to a Broker to discuss what makes the most sense to meet YOUR needs .


Input: Can I Get Money From My Term Life Insurance Policy?

Output: No . Term life insurance policies are designed to provide only the promised payment on proof of death provided for in the policy . Term life policies do not build up cash value in the same way that Permanent life insurance policies -LRB- Whole or Universal Life -RRB- can do . The closest you could come to getting money back from a term life policy would be to purchase one with a `` Return of Premium Rider '' that provides for the refund of the premiums you have paid during the term -LRB- time period -RRB- the policy was in effect and then expired while the policy holder was still alive . Of course , you do pay extra for this rider so in effect you are paying the insurance company money that they can invest and earn from while the policy holder will receive only the total amount of premium paid . When you take inflation into account over a period of 10 , 20 or 30 years that term policy might be in effect you really end up losing value compared to conservatively investing that same money -LRB- for the return of premium rider -RRB- over that same time period . If you ware wanting a life insurance policy that builds up cash value that you could access at some future date then you should shop for a Whole or Universal Life insurance policy of some type .


Input: Can I Get Money From My Term Life Insurance Policy?

Output: That is a great question ! Unfortunately , the answer is no , because there is no money there to get . Term policies are as cheap as they are because the premium cost is generally just enough to cover the cost of insurance , associated costs , and the company 's profit margin . These policies have no cash value as a result , and no surrender value either . Whole life policies will have the cash value and surrender values that you were thinking of . I 'm sorry , but I appreciate you asking !


Input: Can I Get Money From My Term Life Insurance Policy?

Output: Term Life Insurance does not have any cash value to borrow from , and you can not generally sell a Term Life policy in a life settlement . The only way Term Life pays money is if you pass away while the policy is in effect , which is during the years of the term . Then the money would go to your beneficiary .


Input: Does My Homeowners Insurance Cover Flooding?

Output: Homeowners policies contain a specific exclusion for the peril `` Flood '' . Flood is defined as , `` A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water or mudflow . '' Maybe people confuse `` flood '' as a peril as compared to `` flooding '' of a basement or floor . If , for example , a pipe were to burst and `` flood '' the basement that would be a covered loss under a Standard HO-3 Homeowners Insurance Policy . It would cover the damage to the dwelling and your contents but not the cost to replace the pipe itself . Hope this helps


Input: Does My Homeowners Insurance Cover Flooding?

Output: Home Owners Insurance DOES NOT COVER FLOODING . Depending what `` flood plain your home is located you can purchase flood insurance reasonably or if you are in a high risk area for flooding your vacation plans may have to be changed . Under no circumstances should you be assuming this risk and please also remember EARTHQUAKE DAMAGE IS NOT COVERED BY HOMEOWNERS


Input: Does My Homeowners Insurance Cover Flooding?

Output: In a word , NO , homeowners insurance does not in any way cover loss due to flooding . Only Flood Insurance will offer the protection you and your family need in the event that you face damage to your home and personal belongings as a result of a flood . Talk to your Insurance Professional and visit `` FloodSmart.gov '' for more information .


Input: Is It Worth Taking Out Critical Illness Insurance?

Output: Critical illness insurance can be a supplemental insurance to cover high medical insurance deductibles . But critical illness is worth looking into if your family has a history of hospitalization or a predisposition to disease or sickness . Many working seniors purchase critical illness as a defensive measure against unexpected medical bills that may not be covered under Medicare or their Medicare Supplement policies .


Input: What Is American Income Life Insurance?

Output: American Income Life Insurance Company is headquartered in Waco , TX and is a subsidiary of Torchmark Corporation . The company states that it is one of the largest providers of supplemental life insurance to credit unions , labor unions , and associations in the United States . They also sell supplemental accident and health insurance .


Input: Does Car Insurance Cover Mouse Damage?

Output: Most likley as long as you carry comprehensive coverage your auto policy will coverdamageby rodents . I have seen several claims covered when rodents ate wires in a vehicle . I advise if you have a potential claim to call your local agent to discuss the specifics of the situation .


Input: What Does Medicare Part J Cover?

Output: Unfortunately , there is no such thing as Medicare Part J. Medicare consists of 4 parts - Part A -LRB- hospital insurance -RRB- , Part B -LRB- medical insurance -RRB- , Part C -LRB- Medicare advantage -RRB- , Part D -LRB- prescription drug coverage -RRB- . In addition to these 4 parts , there are also Medicare supplement programs available for individuals to provide coverage for the gaps in benefits that Original Medicare -LRB- Parts A & B -RRB- do not cover . There used to be a Medicare Supplement Plan J , however , in 2010 , this plan was taken off the market along with plans E , H , and I .


Input: Does Illinois Have No-Fault Auto Insurance?

Output: No . Illinois is not a no-fault coverage state . This means that in order to collect damages in an auto accident you will have to file a claim against the other person 's insurance . This typically ends up going through either district or circuit court , depending upon the amount of damages being claimed . Note , there are only twelve no-fault states .


Input: What Is The Cost Of Plan B Medicare?

Output: The premium for Medicare Part B is $ 104.90 per month in 2014 -LRB- this number can change each year -RRB- . The premium can be higher for individuals whose incomes are in the following brackets : If filing an individual tax return : 1 -RRB- $ 85,000 or less = $ 104.90 per month 2 -RRB- $ 85,001 - $ 107,000 = $ 146.90 per month 3 -RRB- 107,001 - $ 160,000 = $ 209.80 per month 4 -RRB- 160,001 - $ 214,000 = $ 272.70 per month 5 -RRB- $ 214,001 and up = $ 335.70 per month If filing a joint tax return : 1 -RRB- $ 170,000 or less = $ 104.90 per month 2 -RRB- $ 170,001 - $ 214,000 = $ 146.90 per month 3 -RRB- $ 214,001 - $ 320,000 = $ 209.80 per month 4 -RRB- $ 320,001 - $ 428,000 = $ 272.70 per month 5 -RRB- $ 428,001 and up = $ 335.70 per month If filing a married & separate tax return : 1 -RRB- $ 85,000 or less = $ 104.90 per month 2 -RRB- $ 85,001 - $ 129,000 = $ 272.70 per month 3 -RRB- $ 129,001 and up = $ 335.70 per month If you want to review Medicare supplements to help cover the gaps in Original Medicare -LRB- Parts A & B -RRB- , contact an independent agent/broker to review Medicare supplement plans available in your zip code . If you would like assistance with your Medicare supplement program or have any other questions , you can send me a private message through the `` contact me '' button .


Input: Who Should Buy Critical Illness Insurance?

Output: Critical illness insurance is cancer insurance and a whole lot more . A good major medical plan is essential but many should consider supplementing their health insurance plan with a GOOD health insurance based critical illness plan . Most critical illness plans pay a lump sum cash benefit on first diagnosis of anyone of a dozen or more named conditions .


Input: Does Medicare Cover Pregnancy Ultrasounds?

Output: If you are covered under Medicare and become pregnant , Medicare does cover prenatal care including medically necessary testing such as ultrasound . Medicare will also cover labor and delivery expenses . Since Medicare is normally for those who are 65 and older -LRB- exceptions for those covered due to a disability -RRB- perhaps you are thinking about Medicaid .


Input: What Is State Disability Insurance?

Output: State Disability Insurance is an income replacement program administered through the State of California through the Economic Development Department . You must be an eligible worker to apply for it -LRB- e.g. most government workers are not eligible -RRB- , must have worked a minimum number of hours , and be deemed disabled in order to receive the State Disability income benefits .


Input: What Is State Disability Insurance?

Output: State disability insurance is a government mandated program that many people mistakenly believe they have , but do n't . Only five states require private workers to participate in a short term disability program : California , Hawaii , New Jersey , New York , and Rhode Island . Forty five states do not have mandated state short term disability . Social Security Disability Insurance is managed at the state level , but is a federally funded program . Temporary disabilities are not covered .


Input: How Do I Estimate My Homeowners Insurance?

Output: The easiest way to estimate the premium for a homeowners policy is to either contact an agent and get a price , or ask neighbors whose homes are similar to yours . Ultimately a homeowners policy is tailored to your unique home so getting a quote from an agent is the most precise way .


Input: How Do I Estimate My Homeowners Insurance?

Output: It is almost impossible to guess because insurance companies are so different as well as the coverages . I would call your insurance broker and get him/her to explain the differences between cost vs benefits . If you ever have any questions , I am always here by email or by phone .


Input: Does State Farm Renters Insurance Cover Water Damage?

Output: It would depend on the reason for the water damage . If it is a result of sewer backup then it may be covered . If it due to broken pipes caused by freezing there may be coverage . If it is caused by any covered peril then there may be coverage . If you have flood insurance there may be coverage . If it is due to general ground water seepage or leaks then usually there is no coverage . Check with your agent .


Input: Does Renters Insurance Cover Pitbulls?

Output: A renters policy has a liability section . It pays for bodily injury and property damage when you are legally liable . This coverage includes an animal that you own or care for . However , most companies are reluctant to provide liability coverage when an aggressive dog is present . The underwriters generally look at pit bulls as an aggressive breed .


Input: Can I Get Auto Insurance If I Don't Own A Car?

Output: Yes ! It 's called a named non-owner policy , and it provides liability coverage only . No physical damage coverage is provided but it protects you with liability and it also gives you the appearance of having had continuous coverage . This is a very important factor in rating your policy when you do buy a car later on , and many people get these policies if they 're selling their car but it will be some time before they get a new one .


Input: Can I Get Auto Insurance If I Don't Own A Car?

Output: Yes it is possible to have auto insurance if you do not own a vehicle . This is called non owned auto coverage . Insurance like this is generally issued for those trying to get their license back after a suspension but could also be purchased if you wish your insurance to not gap . Talk to your local independent agent who can find you a insurance carrier that offers non owned auto coverage .


Input: Will Medicare Pay For Medical Transportation?

Output: Your Medicare Part B -LRB- medical insurance -RRB- will provide coverage for ground ambulatory transportation services to the nearest hospital - there are some instances when air transportation will be covered . You 're responsible for 20 % of the cost Medicare approves as well as the Medicare Part B deductible -LRB- $ 147 in 2014 -RRB- .


Input: Who Should Buy Whole Term Life Insurance?

Output: Assuming the question is referring to a participating whole life insurance product with a term rider , you need to determine you suitability for such a product and it 's design . If you 're seeking death benefit coverage , guaranteed universal life may be less in premiums . If your coverage is only temporary , then you should consider term life insurance .


Input: Can An 83 Year Old Get Life Insurance?

Output: An 83-year-old can get life insurance from a specialty insurer that features policies on persons older than age 80 . Rates will be expensive and there could be limited benefits the first few years with selected companies . A non-specialty insurer will also likely offer coverage . But not all companies will offer a policy so it 's important to carefully compare options . It may be possible that one of the larger insurers offers a policy ... but it would be expensive . Also , you will be asked to provide reasons why the policy should be issued and if it is suitable . A full-time experienced broker is a great resource for the best information on the subject . Or a CFP .


Input: Can An 83 Year Old Get Life Insurance?

Output: Yes , indeed . Many carriers will issue policies through age 90 . Not only that : some of them super-specialize in underwriting people in that age group . This is kind of interesting , dont you think ? It actually is very much to the consumers advantage . A company with a high level of expertise and confidence in a specific risk group can provide very good pricing to that group . And the fact of the matter is that different age groups do represent different levels of risk to carriers . Those companies who have chosen to target the elder marketplace have developed a specific underwriting guidelines for calculating premium . They have also put together specific testing to help assess risk . For example , during the exam of the potential applicant , the examiner may utilize simple cognitive exercises . Age is also a factor when underwriters try to determine the impact of long-standing medical conditions . If someone has had diabetes for decades , for example , they will take a close look at blood sugar levels and the potential impact on various organs , such as the kidneys . Financial underwriting is also a key consideration . Why would somebody 83 years old buy life insurance now ? There are any number of good , solid reasons why . Some people in their 80s are still running businesses and need to cover some business debt . They are also key people in their firm , and the firm needs to be indemnified against their loss . They might have a business partner , and a buy sell agreement needs to be funded . Perhaps they need to shield their wealth against estate taxation . Or set up a charitable giving program . Or just leave a bunch of money to their kids . Some folks in their golden years dont have too many liquid assets , so they need life insurance to take care of their spouse . Any number of reasons could make this purchase very important to the financial security and legacy of the family .


Input: Can An 83 Year Old Get Life Insurance?

Output: Yes , pending the underwriting process and the premium that they are willing to pay . To the best of my knowledge there are carriers that will write a life insurance policy for a person up to their 91st birthday . The amounts of coverage will more than likely be limited . People are living longer lives now and life insurance carriers have adjusted the products that they offer to meet this changing market . Contact a local agent to find out what products they would have to offer within your area .


Input: Can An 83 Year Old Get Life Insurance?

Output: Yes . There are agents that sell policies specifically geared for that age group -LRB- final expense plans -RRB- although some limit the age to 80 years old or older . These policies are intended to cover funeral cost primarily . A term plan at this age wouldhave a very expensive premium . Contact someone who knows about this type of policy . We work with companies that sell these types of policies .


Input: Can An 83 Year Old Get Life Insurance?

Output: Almost the entire life insurance brokerage market offers life insurance to age 90 . Not all traditional health classifications are available , but non smoke preferred is offered if your health warrants the classification . From a pragmatic point of view , youre going to need to establish justification for coverage and insurable interest for the insured and the policies beneficiaries .


Input: Can You Use Hsa To Pay For Long Term Care Insurance?

Output: Yes , you can use HSA -LRB- Health Savings Account -RRB- funds to pay for Long Term Care Insurance . There is a limit on what the premium can be that comes from the HSA . In 2012 , the limit for someone age 40 was $ 340/year while the limit for someone age 71 or older was $ 4,240 / year . The Long Term Care policy must be guaranteed renewable , not have a cash value that can be depleted before use , and not reimburse what Medicare will reimburse . Also , if there are refunds , they must be used to reduce premiums or increase benefits .


Input: How Much Will Life Insurance Payout?

Output: In most cases , a life insurance policy will pay out the full death benefit at the insured 's death . there could be a few adjustments however . If there is an outstanding loan on the policy , the loan balance will be deducted from the death benefit . This assumes you do not have a `` graded benefit '' policy , which will pay less than the full benefit if death occurs in the first couple of years .


Input: How Much Will Life Insurance Payout?

Output: Life insurance policies pay out what is called the `` death benefit '' . When you buy a term policy , that is the `` face amount '' of the policy . The entire face amount of term insurance is paid to the beneficiary . When you buy permanent insurance , the death benefit may be reduced by the policy owner having taken out a loan on the policy , or using some of the face amount as a living benefit . Conversely , the death benefit for permanent insurance might be higher than the original face amount , due to the policy 's growth .


Input: Can You Buy Long Term Care Insurance For Someone Else?

Output: Long term care policies require an owner , an insured and a payer . If the insured is willing to sign the long term care policy with someone else making the premium payments , why could n't this arrangement move forward ? A blood relative would off a degree of legitimacy in a scenario like this one .


Input: Does Family Health Coverage Cost A Lot More If You Have A Lot Of Children?

Output: Up to a point , yes . Carriers will charge more for your health insurance if you add on a spouse and children -LRB- dependents -RRB- . How many children you add as dependents can affect how much you pay for your health insurance . However , once a family size reaches a certain point , the coverage increases based on the number of dependents stops . For example , carrier A may say if you have 3 or more kids , it 'll be the same price as only having 3 kids . If you have 5 kids , you may only have to pay the amount as if you had 3 kids . Some carriers may make this 2 or more , some 4 or more - it just depends on the carrier . Make sure when you 're gathering quotes , you look at these specific items if you have a lot of children as your question indicates . It 's most helpful to work with an independent health agent who can compare multiple options for you -LRB- and in the process save you a ton of time on research and effort trying to understand the stuff -RRB- . Our group is licensed with a number of carriers and we do not charge any fees for our services so if you 'd like some assistance with your coverage , feel free to e-mail me or give me a call - you can see my contact information via my profile page link . I hope the information is helpful . Thanks very much .


Input: Can I Opt Out Of Medicare Part A?

Output: If you opt out of Medicare Part A , you will also lose your Social Security benefits , per the decision brought down in Hall vs. Sebelius and upheld in a court of appeals in Feb , 2012 . These retirees sought to drop Medicare Part A because it interfered with a superior health insurance plan they received . The court ruled that they would have to pay back their Social Security earnings if they were to opt out of Medicare Part A. However , they could stay in Medicare Part A and not use the benefits . If you do want to opt out of Medicare Part A you can fill out CMS Form 1763 and mail it to your Social Security office .


Input: What Is The Best Disability Insurance?

Output: The best Disability Insurance is the one that is designed to meet your needs . There are many good Disability policies to choose from and scores of features that you can optimize to make it work best for you . Contact a good agent to thoroughly review your situation and come up with a personal policy that will do what you want it to do , if and when you need it .


Input: Where Is The Best Place To Get Renters Insurance?

Output: Renters insurance is about the same rate with all carriers . The average renters policy in Montana is bout $ 100 a year with $ 30,000 worth of contents and $ 100,000 in Liability limits with $ 5,000 in medical pay and a $ 500.00 deductible . Most carriers are between $ 10 to $ 15 a month . The only advantage in choosing some carriers is that if you already have an auto policy with the same carrier then it can lower your auto insurance . Example I have a client that has a carrier in our agency for her auto but they carrier does n't let agents sell the renters policy you can only get it online . But what she did was get the renters policy online for $ 100 a year but it lowered her car insurance $ 80 every 6 months hence it was almost like getting paid to have the renters insurance . I would talk to your local agent and see if they have any package deals since renters policies are so inexpensive but well worth the investment .


Input: When Can You Get On Medicare?

Output: Typically you can enroll in Medicare when you are 65 - or when you retire past the age of 65 . -LRB- Unless you have been clinically diagnosed as disabled for at least 2 years - then you can enroll under disability under age 65 -RRB- . IF you areworking FULL time past 65 , you can take advantage of your employers group health coverage . This may come down to dollars and cents , whether it is advantageous to do so . IF you are past 65 and only working part time - EVEN if your employer offers you health coverage , you must enroll in Medicare or you will be penalized . Penalties from Medicare last a lifetime and do not go away . Hope this clarifies .


Input: When Can You Get On Medicare?

Output: You can get on Medicare at age 65 . This is regardless of when you choose to collect your Social Security benefits . You can get on Medicare at a younger age if you have been receiving Social Security Disability benefits for two years , or have ALS or ESRD , in some cases .


Input: How Much Does Health Insurance Usually Cost?

Output: There is no way to answer this question . It depends on the area you live in , your age , your health , the company you select , and other factors . Check with a good independent agent who has multiple companies . A good agent can help you find the right coverage for your circumstances .


Input: How Much Does Health Insurance Usually Cost?

Output: Health insurance premiums for individuals and families are determined by a number of factors . In setting a rate for health insurance , the carrier will review your age , gender , medical history , tobacco usage , zip code , benefit plan design and network . Health insurance premiums for an individual can range from less than $ 100 per month to several hundred dollars .


Input: Does Nebraska Tax Life Insurance Benefits?

Output: Nebraska does not charge income tax on life insurance benefits except in very limited circumstances . If the life insurance proceeds are left to the estate as opposed to a person , the life insurance benefits can be taxed . There may be taxes on benefits that are above the face amount of the policy . Also , estate taxes can be paid on the excess of what is exempt from estate taxes , which is 5.25 million dollars in 2013 .


Input: Will My Health Insurance Cover A Breast Reduction?

Output: Your health insurance may cover a breast reduction if it is not considered cosmetic . However , if it is deemed to be cosmetic , there is a very good chance you will have to pay for the procedure yourself . Since each policy is different , check with your insurer and verify that it is/is not covered .


Input: Will My Renters Insurance Cover A Dog Bite?

Output: If it is your dog that has bitten someone , your renters insurance may pay the damages if you deemed responsible . To know what coverage is provided by your policy and what exclusions there may be , please read your policy completely or contact your local agent to have them go over the policy with you .


Input: Does Medicare Have A Yearly Deductible?

Output: Original Medicare has a yearly deductible for Part B , the outpatient and doctor portion . Every year the deductible amount changes based on decisions by Congress . Medicare Part A also has a hospital deductible , but it is a per admission deductible -LRB- in Medicare terminology , per benefit period -RRB- . Some Medicare Part C and D plans also have yearly deductibles .


Input: What Does Medicare Drug Coverage Cost?

Output: Carriers of Medicare drug coverage usually offer 3 plans . The prices are usually in this range : $ 15/mo , $ 40/mo , $ 98/mo . $ 98/mo usually has a more extensive formulary - but most drugs are covered in the less expensive plans and frankly , I do n't have any clients that have purchased the $ 98 plan . The $ 40 plans usually have $ 0 deductible while the $ 5 plans have a $ 325 deductible.Remember that you incur a penalty if you do n't have drug coverage , so you should get something .


Input: Can You Get Auto Insurance With No License?

Output: That is a great question ! Unfortunately , you will find it extremely difficult to get auto insurance without being a licensed driver . Insurance companies are all about risk , and the risk of you getting insurance and then driving around on a suspended or no license at all is n't one they are going to be quick to take.It 's like trying to get served at a bar without ID . Even if you are old enough , they 're going to not serve you , and the auto insurance company will be the same way . Without a license , you wo n't get insured . Thanks for asking !


Input: A am a 20 year old single male wondering how much I am going to have to pay for health insurance so i don't receive a fine.

Output: The exact price depends on what state and county you are living in , but your cheapest option other than the fine , will be a catastrophic plan . Catastrophic plans carry high deductible and out of pocket expenses , but is the lowest level and cheapest insurance option available . I highly recommend you find a local licensed and certified health insurance broker that can shop around for you , for both plans inside and outside of the new exchanges . They will also be able to advise and assist you with premium assistance applications to help pay for the insurance . Plus they can save you the time and headache of trying to get on the glitchy government website yourself , and getting frustrated . And the bonus , their service does n't cost you anything , so why not use an agent or broker !!! But , do n't get to stressed yet , you have until March 31st , 2014 to shop around and purchase a plan , to avoid the penalty .


Input: A am a 20 year old single male wondering how much I am going to have to pay for health insurance so i don't receive a fine.

Output: The amount you will pay for premiums will vary depending on much than just your age . Other factors include which policy you purchase , which state you reside in , and , oddly enough , how much money you estimate you will earn in the coming year . At this point in our history , your actual health no longer matters when it comes to the premiums you pay , your age , residence , income , and policy chosen are the only factors that will determine your premium .


Input: A am a 20 year old single male wondering how much I am going to have to pay for health insurance so i don't receive a fine.

Output: The answer to your question will depend upon your state of residence , perhaps upon the region in a state within which you live , your exact date of birth , whether or not you use tobacco products , and your projected 2014 income level -LRB- regarding eligibility for individual premium subsides -RRB- among other things . As you can see , buying health insurance has , in some ways , become more complicated than ever before . Find a qualified health insurance broker who understands your needs and your local marketplace before your purchase health insurance . It does n't cost you any more and if provides you with needed guidance .


Input: Does It Make Sense To Purchase Long Term Care Insurance?

Output: Does the value proposition make sense for long term care insurance which protects extended care risk of assisted living and nursing home care . The average married couple spends $ 250,000 during retirement on medical expenses and extended care . The odds are that you 'll live longer than the preceding generation . If that 's true you need extended care even longer . A non smoking married couple both age 60 will pay around $ 300 a month for $ 7,000 a month benefit totally $ 420,000 . Does that make sense ?


Input: How Can I Get My Health Insurance To Pay For A Tummy Tuck?

Output: Tummy tucks are generally considered to be cosmetic procedures which would not be covered by most health insurance plans . If a procedure is determined to be medically necessary by a physician , the plan may provide some coverage for it . I would talk with your agent/contact the carrier to see what benefits the plan would provide , if any , for this type of procedure .


Input: What Are Car Insurance Rates Based On?

Output: Car insurance rates are based on your age , where you live , the type of vehicles you own , your coverage , your driving record , your credit -LRB- in some cases -RRB- and many other factors . Yes , that 's quite a few . Let an experienced broker do the shopping for you so you can save time and money . And frustration !


Input: How Much Is Medicare Part B Deductible For 2012?

Output: The Part B deductible for 2012 was $ 140 . This rate changes each year . In 2011 , the rate was $ 162 . In 2013 , the rate is $ 147 . As you can see the rate can move around each year , but the variations in the amounts do n't change by much each year . Part B deductibles are usually announced late in the year for the upcoming year .


Input: How Much Is Medicare Part B Deductible For 2012?

Output: The part B deductibles will vary slightly each year.For example the deductible for 2011 was $ 162 , for 2012 it was $ 140 However for 2013 , 2014 , and 2015 it was at $ 147 . The deductible rate for the following year is usually announced in November / December ...


Input: Can People With Diabetes Get Life Insurance?

Output: People with diabetes can get life insurance , and if they have a history of good diabetic control , they can get any type of policy that they want . If A1C 's run over 9 or there is significant neuropathy or kidney damage , there are simplified policies available to them that may or may not be graded . To get the most affordable diabetic life insurance rate , contact a specialist in diabetes life insurance and share all the information that you are asked . With the right guidance , you can get placed with the right product from the start and not have to go through needless frustration or declines .


Input: Can People With Diabetes Get Life Insurance?

Output: Yes , some people with diabetes can now get life insurance . When I started 25 years ago , diabetes was an automatic decline . As time has gone by , insurance companies have discovered the wide range of people within the class of diabetics . Some are very healthy and have good control of their blood sugars . Others may lack any control over their blood sugars . Most agents ask to pre underwrite diabetics to get underwriters to review on a individual basis , so no blanket declines anymore . If you 're a diabetic with good control , chances are you can find a fairly priced product from several carriers . If your control is OK , you 'll find something as well . Price may be more than you thought but you can get coverage instead of a `` no '' .


Input: Can People With Diabetes Get Life Insurance?

Output: Persons with diabetes can purchase life insurance policies from reputable companies . It is likely that the policies will be `` rated , '' which means that a higher premium will be charged to offset the higher risk . If the condition is insulin-dependent diabetes , it will present a bigger challenge and higher rates , especially if other conditions are present .


Input: Can I Get Health Insurance When I Am Pregnant?

Output: Yes you can get health insurance when pregnant , but there are limitations . There are three places to turn . You can enroll in a group health plan through your employer . HIPPA prevents group plans from excluding pregnancy as a pre-existing condition even if you had no prior coverage . You would enroll during your open enrollment . You can opt into an Affordable Care Act plan in your state marketplace during open enrollment . The policy would take effect on January 1 . Any pregnancy related medical expenses would be immediately covered . Medicaid provides immediate coverage for pregnant women who meet income guidelines . There are no open enrollment limitations for Medicaid .


Input: Can I Get Health Insurance When I Am Pregnant?

Output: Yes . Under the new Affordable Care Act , you can not be declined for health insurance for any medical-related conditions . Each policy is required to cover 10 essential health benefits - one of these essential benefits is maternity care . It 's always helpful to consult with an experienced health insurance broker who can work with you on a personal level , discuss what your specific needs are , and compare multiple companies and their plans to determine which plan is going to be most suitable to meet those needs . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: Does Aetna Health Insurance Cover Birth Control?

Output: When plans renew or are effective on or after August 1 , 2012 , all of the following womens health services will be considered preventive -LRB- some were already covered -RRB- . These services generally will be covered at no cost share , when provided in network : Well-woman visits -LRB- annually and now including prenatal visits -RRB- Screening for gestational diabetes Human papillomavirus -LRB- HPV -RRB- DNA testing Counseling for sexually transmitted infections Counseling and screening for human immunodeficiency virus -LRB- HIV -RRB- Screening and counseling for interpersonal and domestic violence Breastfeeding support , supplies and counseling Generic formulary contraceptives are covered without member cost-share -LRB- for example , no copayment -RRB- . Certain religious organizations or religious employers may be exempt from offering contraceptive services . So unless youremployertakes arighteous moral stand then yes AETNA HEALTH PLANS WITHPRESCRIPTIONPLANS will .


Input: What Kind Of Home Insurance Do I Need For A Condo?

Output: If you are a condo unit owner , then you should talk to your Insurance Professional about a Unit Owners ' policy . This commonly covers your personal belongings to their full replacement value and also includes liability coverage . It is important to check your Association by laws in order to properly understand where the `` Master Contract '' which is the policy that covers the buildings themselves , leaves off . This is important to make sure that your policy is set up properly to avoid any dangerous gaps in coverage .