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Amy DaniseAmy Danise originally joined Insure.com in 1998 and is an expert on insurance topics, including auto, home, health and life insurance...more
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Recent Questions
Can my employer make me drop my wife's insurance (dual coverage) if I want to keep their insurance?
Yes, they can decide they won’t insure spouses who are eligible for another health plan. Here’s more on ..
Can a new employer exclude pregnancy as a pre-existing condition?
They won’t be able to deny you maternity coverage. Federal law prohibits group health plans from saying pregnancy is a pre-existing condition.....
Additional Health Insurance Expert Questions
- My 18-year-old is a senior in high school and got pregnant. Why did my insurance deny the medical claims?
- Can I use my HSA debit card to pay for my live-in girlfriend of three years' doctor bill?
- Can I insure my mother?
- If I get a woman pregnant that is not my wife, is she covered with my health insurance?
- My ex-wife never took me off her health insurance after our divorce.
- Would they put my birth control prescription under my mom so I do not have to pay an arm and a leg?
- Can my boyfriend get his wife off his insurance?
- What recourse do I have if my husband cancels my health insurance coverage?
- If I own my home and don’t have a mortgage, am I required to have insurance?
- Will my health insurer cancel my policy because I saw the doctor before coverage was in effect?
- Do I have to tell my insurer I am in hospital?
- Can I add my fiance’s daughter to my health care plan?
- Is there a reason why I should NOT have two health insurance plans?
- Can I ask my employer to pay the premiums for the plan through my wife's work?
- 62-year-old female just denied coverage because of pre-existing conditions. What to do now?
- If I'm married and not divorced can my husband cancel my health insurance before we are divorced?
- If a woman gets pregnant by a man other than her spouse, and her spouse is OK with it, will his insurance company still cover her if they know?
- Can I put my 24-year-old on my health plan even if she's eligible for insurance through work?
- If you turned 26, does that mean you have the rest of the year to be on your parents’ health insurance or does it stop as soon as you turn 26?
- I'm pregnant and got fired. Does the company have to keep paying my health insurance?
- My boyfriend's ex-wife is pregnant and still on his health insurance.
- Can you use your boyfriend's insurance to cover you while you are pregnant out of state?
- I was just laid off and need health insurance. What do I do?
- Will my New York health insurance cover birth control in Miami, where I attend school?
- Can my daughter stay on my health insurance plan until age 26 even if she gets a job?
- Will Obamacare provide me with health insurance coverage if I lose my job?
- Can I add maternity to individual health insurance when I'm ready to start a family?
- If I get married while I'm on my parents' health insurance plan, can I stay on the plan until I turn 26?
- Can I get health insurance through my girlfriend's plan at work if we live together?
- Can you buy an individual health insurance plan with maternity benefits if you are already pregnant?
- Which health insurance benefits are required most often?
- Do employers have to offer health care to everyone?
- Can insurance exclude pregnancy as a pre-existing condition?
- Do employers have to insure employees' family members?
- Can my employer force me to sign up for health insurance?
- Do insurance plans cover dentist appointments?
- Will a new health plan cover pre-existing pregnancy?
- Is it easy to exit my spouse's health insurance plan?
- Can I insure my girlfriend on my health insurance?
- Can an employer deny me health insurance if I'm pregnant?
- Can a prostate cancer survivor get life insurance?
- My 64-year-old mother has pre-existing conditions. What are her health insurance options?
- Should I sign up for high-deductible health insurance?
- Can I get health insurance when I'm pregnant?
- What are my health insurance options after my husband retires?
- I have been uninsured for almost two years. I've been denied individual health insurance. I have GERD. I go to school and work part-time. Where can I turn for coverage?
- My chiropractor offered me a credit card to pay for visits my insurance doesn't cover. Should I accept it?
- After changing jobs, and days before qualifying for coverage, I was diagnosed with an illness. Will this count as a pre-existing condition?
- If I lose my job, how do I maintain health insurance coverage?
- I'm pregnant and have insurance through my husband, who is about to lose his job. What are my health insurance options?
- Can my employer's group health insurance consider pregnancy a pre-existing condition?
- Should my adult daughter go on her boyfriend's health plan?
- Is Viagra covered by health insurance?
- If my son has dual health insurance coverage, can I use each insurance policy separately? Can I use the secondary insurance to pay for certain medical expenses without mentioning the primary insurance to the doctor?
- I married my wife and four weeks later found out we were expecting a baby. Since we are newlyweds, she hasn't been processed onto my insurance yet. Once she is added, will the pregnancy be considered a pre-existing condition due to the time of conception being around the week of our honeymoon? Also, my wife had no health insurance before we were married.
- My husband and I are trying to start a family. I just switched jobs and will no longer have health coverage. I plan to switch to my husband's insurance in about 30 days. At that time I may be pregnant. Is there anything I should be concerned about or any reason my husband's insurance provider will not take me?
- I have multiple sclerosis. I am covered through a group health plan through COBRA. This will expire by the end of the year. If I find a group health plan through an organization (not an employer), can I be refused coverage under a group health plan? I've had continuous creditable group coverage since 1994. I've been told that I would not be eligible.
- If a man were to get a new job, would the company also be able to insure his pregnant wife without it being a pre-existing condition?
- If I leave my job, how long do I have to activate COBRA health insurance coverage?
- I am six months pregnant. Can I get health insurance?
- Can health insurance companies charge whatever they want?
- I was laid off several months ago and can't afford the premiums for COBRA or a private health plan. Are there any other ways to buy health insurance?
- Does anyone sell health insurance for pet birds?
- Are employers who provide health insurance in Texas also required to provide health insurance to their employees' "life partners" (both same sex and heterosexual)?
- I have a domestic partner of four years. We're of the opposite sex; he doesn't believe in marriage. Can he be covered on my work health insurance?
- Do group health insurance policies typically pay for drug-treatment facilities?
- Can I still buy a mini-med health insurance plan?
- Is pregnancy considered a pre-existing condition?
- I've been hearing about "health exchanges" since health care reform passed. What are they and how do they work?
- How do I get a "prescription" for an over-the-counter drug in order to pay for it with my HSA?
- My COBRA coverage (which I've had extended to the maximum of 18 months) is going to end the same month I'm due to have a baby. My coverage ends on the first of the month and I'm due on the 18th. Is there any extension that would allow me to remain on COBRA for the last month of my pregnancy? I live in Pennsylvania.
- I am being told that my wife's pregnancy is a pre-existing health condition. Our health insurance policy recently changed to include higher out-of-pocket expenses. My employer offered me a group hospital indemnity insurance plan that will help offset those costs, but the provider says her pregnancy will be considered a pre-existing condition. Can they do that even though I've had a group policy with maternity care for years? I hope you can help shed some light on this for me.
- Will I be able to buy health insurance through one of the future exchanges if my employer offers group health coverage? I think I pay too much for the group plan.
- My girlfriend is in her early thirties and hasn't had health insurance for many years. She is suffering from chronic stomach pains and fears she might need surgery. It's getting to the point where she really needs to see a doctor and she might need a long list of tests done. What do you suggest as she buys health insurance for the first time?
- I live in Louisiana and work for a small doctor's office that has three employees. None of us have insurance. Is it illegal for my employer not to provide health insurance? Also, is there a portion of the premium or percentage of the cost he should be responsible for paying if we find our own health insurance?
- I spend tons of money on prescription drugs each month, but it's getting difficult to be able to afford what I need. Is there anywhere I can go to buy cheaper drugs?
- I recently started a new job but my employer does not offer health insurance. I'm looking for affordable health insurance. Is there anything I can do to lower my premium?
- My employer is asking about my daughter's eligibility for my health plan at work. Why are they asking now? She's been on my plan for five years already.
- My wife was turned down for health insurance and we're not sure what to do now. Even with an agent it looks bleak. Any suggestions?
- I take a lot of prescription medicine but lately it's been very hard to afford it. Do you have any tips on how I can save money or buy it for a cheaper price?
- I have diabetes and it's been difficult for me to find affordable health insurance. They tell me it's a pre-existing condition. What does that mean?
- I'm only 24 years old and in good health. My employer doesn't offer health insurance benefits and I don't want to spend the money on an individual policy. But I heard that it's now against the law. Is that true?
- If I had a health condition but didn't know it, can it still be considered a "pre-existing" condition?
- Where can a pregnant woman get maternity coverage?
- How much time do I have to add my baby to my group health insurance plan?
- My husband's employer has only offered one choice of health care coverage this year. In previous years, his employer has always offered a choice of two or three different plans. Is it legal for an employer to only give this single choice? I was under the impression that there had to be at least two companies/coverage choices offered. We live in New York.
- Can a soon-to-be ex-wife keep her health insurance coverage offered under her soon-to-be ex-husband's group policy after the divorce?
- When is the best time to enroll in a Medigap plan, and how do they determine my premium?
- My company has open enrollment right now for health insurance. Is it always cheapest to buy insurance through work?
- Does pneumonia qualify as a critical illness for insurance payout?
- My daughter is a registered nurse who has health insurance, but it doesn't include maternity coverage. Is there a policy that can be purchased now? She is about four or five weeks pregnant.
- We recently had to switch from an employer sponsored health insurance plan to purchasing our own insurance when my husband was laid off and got a new job. We have never had a lapse in coverage between the employer plan and COBRA enrollment. However, our newly purchased insurance refuses to cover my pre-existing conditions. I can understand the carrier not covering infertility treatments but it is also refusing to cover a hormone condition and diabetes. (I don't even have diabetes but am at risk due to the hormone condition.) Are they allowed to do this through HIPAA? I was unsure if HIPAA applied to employer-paid insurance only or all insurance coverage? My plan says they are excluded "indefinitely."
- Can I still buy COBRA health insurance if I move out of state?
- I saw a TV news segment that said you can bargain on price for anything, including your doctor bill. How can I do this?
- When will health insurance exchanges be open?
- I heard the government has a health insurance plan for people who want to retire early. How do I sign up?
- Can the new insurer claim that my pregnancy is a pre-existing condition and not approve coverage?
- If I get thyroid cancer (non-spreading), then how much money can I get for this?
