Health Insurance FAQs

• Q: I Want To Change Jobs. Can The New Employer's Plan Deny Me Coverage Because Of A Health Condition?
  A: No. Employees or dependents cannot be denied group health insurance based on their prior medical history. You cannot lose your insurance just because you get sick, or … More
• Q: If I Change Health Insurance Plans Will I Get Credit For Time Spent On My Prior Health Plan Toward My New Plan's Pre-Existing Conditions?
  A: If you have a pre­existing condition when you change jobs, then your new employer`s health insurance carrier must usually credit the time you were insured under … More
• Q: My Primary Care Physician Won't Refer Me To The Specialist I Need To See. What Are My Rights Under A Managed Care Plan?
  A: All managed care plans must have a grievance procedure for disputes involving denials of service and for dissatisfaction with care. Your benefit booklet should … More
• Q: I Am About To Lose My Health Coverage. I Have A Serious Medical Condition And Need To Get New Insurance. Is There A Health Plan Available?
  A: If you are unable to acquire new health coverage then you may try contacting your state insurance commissioner. Some states have created health plans to specifically … More
• Q: I Need Medical Care But I Don't Have Enough Money To Buy Insurance. How Do I Obtain Public Health Services?
  A: Your local Department of Social and Health Services manages these services. You can usually locate your local office by looking in the blue pages of your phonebook or … More
• Q: Is A Participating Provider In A Managed Care Plan Allowed To Charge Me Amounts Greater That The Company Allows?
  A: No. Participating provider agreements prohibit the providers from collecting any amount other than those contractually agreed upon by the health plan. Provider … More
• Q: I Believe My Health-Care Professional Provided Incompetent Services. What Can I Do?
  A: To make a complaint about a health professional or hospital, call your local State Department of Health. You may also use the LawInfo.com attorney directory to locate … More
• Q: Should I Buy Long-Term Care Insurance?
  A: Long­term care insurance is not a smart purchase for everyone. If you have significant assets you wish to protect and income that will allow you to pay premiums … More
• Q: Are There Any Tax Benefits Associated With Long-Term Care?
  A: Yes. Under the Health Insurance Portability and Accountability Act of 1996, long­term care insurance policies that meet certain requirements become eligible for … More
• Q: Who Pays For Long-Term Care?
  A: Nationally, individuals and their families pay more than half of all nursing home expenses out­of­pocket. Somewhat less than half are paid by state Medicaid … More
• Q: How Much Does Long-Term Care Cost?
  A: Long­term care can be expensive, depending on the amount and the type of care needed and on the setting in which it is provided. For example, a year in a nursing … More