Can an insurance agent who is designated as agent of record
can an insurance agent who is designated as agent of record collect any unearned premiums from a client who is deceased and died intestate and specifically in writing desiredthat I am to collect a any unearned premiums in the event of his death. This was nota life policy but rather a medicare supplement policy. Insurance company and myself as the writing agent have searched for relatives or estate of client.
I am creating a site that I would like potential clients to
Hello,I am creating a site that I would like potential clients to be able to sign up directly through my site for only Medicare supplements. I was wondering what the legalities for this would be, assuming I have all the correct disclaimers? Thank you
Fl, NY Medicare, Secondary or Concierge if we use
Fl, NY Medicare, Secondary or Concierge if we use alternative methods for health maintenance other than MD's. Is it worth the hassle of having a supplemental insurance? We live in NY but travel to Fl and spend half the time there. HUsband has regular Medicare and everything seems easier that way. Wife has Empire BCBS Advantage which takes over from Medicare. But hers is an HMO and only good in NY. NOw we are thinking to ditch the Advantage and just have one insurance... Just the Medicare to keep life simple. We use Alternative Drs anyway who some are MD's practising more natural methods of health care such as using alternatives for antibiotics, massage, nutrition to manage digestive issues and diabetes and cardio health... Alternative functional MD's who typically don't accept insurance or they accept it but charge extra to supplement the fee because they spend more time with the patient. In this case, we end up paying out of pocket. Some of them accept straight up Medicare... any suggestions because sometimes it seems it is easier to pay out of pocket because the fee might be just the same.
This is about maintaining Medicaid eligibility in Missouri
This is about maintaining Medicaid eligibility in Missouri after receiving a Social Security Disability back payment.A few weeks ago I got my social security disability back payment. It is roughly $32,000. I received my first social security disability monthly payment this month. My monthly payment is $1,175. I live in Missouri.I have no savings whatever aside from this $32,000. For the past eleven years I have lived, destitute, in a charitable residence where I work onsite part-time and all of my pay is withheld for rent. I have been able to occasionally hold a part-time job briefly outside of the home in order to pay back rent I end up owing despite having 100% of my rent withheld during most pay periods.I placed all of the back payment I received this month in my credit union account. Before I did I had 87 cents there, a not atypical situation for me. My caseworker at a local nonprofit agency just found out I have until Friday, October 31st to get my account down to $1,000 in order keep Medicaid. Today we inquired about Medicare supplements and it appears that I will have over $500 in medical costs in a typical month--half or more of my monthly disability income--in expenses. I have numerous serious medical conditions and currently take twenty medications a day. I'm 58.My caseworker has it in mind that I should find ways to spend the $32,000 by October 31st so I will remain eligible for Medicaid. I don't find this practical. I want to move out and find a Section 8 apartment but this will take time. I've already started looking.I will, for instance, need to spend some of my $32,000 on furniture, but I don't even have a place to store it until I find an apartment, and I have no idea yet of what furnishings will fit in whatever apartment I find. I currently live with all that I still own in about 130 square feet at the charitable residence where I pay rent.I hope I haven't inundated you with extraneous facts. In a nutshell, as a Missouri resident, what, if anything, can I do to guard/transfer/re-categorize my $32,000 so it is not in my credit union account and I can still legally qualify for Medicaid?
My mother is 103 and suffering from dementia. She needs to
My mother is 103 and suffering from dementia. She needs to go to a nursing home. The deed to our home is in both our names with rights of survivorship. We live in Indiana.I have been our sole support for a long time. I have paid all our utility and tax and insurance bills for at least ten years. Her only income is her soc.sec. and I use most of that to pay her annual Medicare Supplement insurance policy. I do not want to sell our home, but I do not have enough savings to keep her is a nursing home for more than a few months. Will I be forced to sell our home?
I would appreciate recommendations
CALIFORNIA MEDICAREI would appreciate recommendations as to options for revoking an unfounded Medicare "Alert" to all wheelchair supplier / repair companies NOT to service my power chair. It is in their letter to my congressman, and uses false claims in a way that threatens my partial ability to live independently despite my quadriplegic status. The events leading to this result are given below as background. Further information is available. I look forward to your thoughts on how to get coverage of repairs reinstated as the chair needs new electronic parts ordered and installed now.After funding my power chairs and their repairs since 1967, Medicare is now denying coverage for such repairs. By phone, they first cited 2014 DME rule changes. They then said that I DID qualify for coverage of repairs as I have Original Medicare. Now, in a letter to my congressman's office, they are again denying coverage for repairs. It is replete with false claims that I misuse the chair. It is dated one day after I gave Medicare the name and number of the supplier who secured, customized, and has maintained the chair since 2008. They asked for this information so as to assure the supplier of my eligibility for coverage of repairs under Original Medicare as was always the case. Yet, the letter to my Congressman focuses on personal attacks targeting me and how I have been using the chair, relying on distortions of my personal email exchanges with the supplier on needing and scheduling repairs.Among Medicare's reasons for now denying coverage are that I am too old to use a power chair; I use it outdoors; I make unreasonable demands on the supplier; etc. It states that, via Nordic, Medicare will "Alert" all suppliers not to service my chair. Inexplicably, they offer to pay for a new chair. This is not a solution as I don't know what is on the market and what will now be required to have it approved and customized. I cannot even get to different dealers to look for a chair that would meet my needs. Last time it took two years. As part of my detailed rebuttal, I explained that the chair was chosen, approved, and configured for its outdoor use, an advertising claim.Besides citing my use of power chairs for 4 decades without incident, I asked that all service records be reviewed to verify that repairs spiked after June 2013, when the supplier made many unnecessary changes to it, altering its configuration and operation. This impeded my safely using it for a while, as my neurological condition requires repetitive movement to adapt to new situations. The changes included replacing the joystick controller twice with a larger one each time. I strenuously objected to no avail. The supplier and the manufacturer used new, untested components and software at my expense. I incurred injury as the fastest brake setting was ignored when reentering all other settings that control chair functions. Since 2008, It was set to stop instantly for my safety and that of those around me. When the manufacturer's and supplier's technicians finished the work after multiple email downloads of trial and error software, they had me test drive the chair at each of four programmed speeds used before. It did not stop as expected, causing me to hit a cabinet, fracturing my toe. Having to live in a more sedentary state for full healing has caused further physical decline, as in curtailing exercises including a treadmill with assistance to maintain minimal muscle tone. Thus, as the supplier and manufacturer fear liability from this event, and as the former has archived exchanges from which to fabricate false accounts of how I use the chair that she has never observed, indoors or outside, she likely provided such fictitious accounts for her own and the manufacturer's protection. This is likely how Medicare's fictitious, illegally publicized account of my personal activities of daily living, was used to support its unfounded Alert to deny me essential services.I live in a unique community that offers me close proximity to medical services, pharmacies, food stores, financial services, retailers, Academic and Cultural Institutions, etc., all without needing to get help from others. I can only independently reach these critical services via a reliable power chair. Medicare's action against me severely threatens my ability to function on my own, exacerbating my disability without just cause.No one contacted me about the hastily written letter prior to its being sent to my Congressman. No one has asked to assess the current condition of the chair to determine evidence of misuse. No statutory or regulatory basis by Act, Number, Title, or other citation norm appears in the Medicare letter containing the "Alert"Can you please list some of the steps needed to initiate an Appeal with coverage reinstated until this procedure is completed? Do I need formal representation, especially if an Administrative Law Judge becomes involved or for other reasons? What are the
I am 70 yrs 0ld and still work. the small co took me off the
I am 70 yrs 0ld and still work. the small co took me off the group ins and are paying for the medacare supplement is this legal ? they told me they had to do this as of my age.i work 32 to35 hrs pr week have been tere 7rrs. thank you . ted
Unless a supplemental policy specifically states otherwise,
Unless a supplemental policy specifically states otherwise, the most it will cover are the Medicare deductibles ($147 outpatient and $1,187 hospitalization) and the 20 percent co-insurance. Supplemental policies do not usually cover any medical services Medicare won't cover. What's more, Medicare supplemental insurance will only pay health care providers what you would pay if you didn't have the supplemental policy. Providers aren't paid any more for taking care of you if you have one of these policies. If this is true, why purchase a supplemental policy? Wouldn't it be better to pocket the premiums paid for these policies and use that money to pay the deductibles and co-insurance? What's the risk of not purchasing a supplemental policy?