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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 I insure my girlfriend on my health insurance?
It depends on your relationship and on the rules of your company's health plan. More than a dozen states mandate that employer-sponsored group ..
Can an employer deny me health insurance if I'm pregnant?
If you maintained health insurance coverage in the last 12 months with no breaks of 63 consecutive days or more, your new employer's health insurance plan can't excl.....
Additional Health Insurance Expert Questions
- 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?
- Someone told me that once you reach 62, you can get COBRA for 36 months until you reach 65. Is this true?
- I have prescriptions for drugs that I cannot afford
- What questions should I be asking during the open enrollment period at my company?
- If I become pregnant prior to getting married, will the pregnancy be covered once I am married?
- I am currently uninsured and starting a new job that offers health insurance coverage. Do they have to cover me?
- We're expecting our first child in October and my wife and I have different health insurance plans
- How long does it take for your health insurance to be terminated after you are laid off?
- I got fired. Do I still qualify for COBRA?
- Do I have to pay the full COBRA premium?
- Does my family health insurance policy cover my teenage daughter if she becomes pregnant?
- I have a son who turned 24 and can no longer be carried on our health insurance through work.
- Do employers need to have accident insurance on the job?
- I need only health insurance for my parent's trip to Italy in September. How can I get a quote on this?
- Can employers charge employees for health insurance by the hours worked in a week?
- Can you point me to any health insurance policy that does not contain some word or phrase that is unintelligible, uncertain, ambiguous, abstruse, obtuse or likely to mislead me?
- Are employers legally required to provide their workers with health insurance?
- Can my employer require that I join the company's health plan as a condition of my employment?
- Can they be covered under my health plan and my husband's health plan at the same time?
- Do we have any recourse? How do I find out information on charges in neighboring markets?
- Health Insurance: Frequently asked questions
- How can I protect my family?
- I am divorced and have two children. Can they be covered under my health plan and my husband's health plan at the same time?
- I am trying to buy an individual health plan on my own because I need coverage for my sinus problems. I've never had health insurance before. I've already been turned down twice because the insurers say there's no "guaranteed-issue" law. What does that mean?
- I have bipolar disorder. What are my insurance rights?
- I have Medicare, but it doesn't cover all of my health insurance needs, such as prescription medications. What can I do?
- I have Medicare, so I don't need long term care insurance, right?
- I recently discovered I'm pregnant, but I have no health insurance. Is there any way I can get insured?
- I was just diagnosed with diabetes. My employer doesn't offer health insurance, but I want to buy it on my own so I am covered for my illness. What can I do?
- I was laid off from my job. What happens to my health insurance? How does COBRA work?
- I was laid off from my job. What happens to my health insurance? How does COBRA work?
- I'm 62 years old and thinking of retiring. What are my health insurance options?
- Is my employer required to cover my infertility treatments? If not, how do I find an insurance company in my state that will?
- My employer offers health insurance through an HMO, but it's not available to all the employees. Is that legal?
- My HMO dropped my specialist from its network. Don't I have any rights here?
- What are my options for buying health insurance for myself or my family?
- Why do some insurance companies cover Viagra but mine does not cover prescription contraceptives?
