Legal

Ask a lawyer and get answers to your legal questions

Ask a Lawyer,
Get an Answer ASAP!

In 2017, Independence Blue Cross (IBC) IBC entered into

Customer Question
In 2017, Independence Blue...

In 2017, Independence Blue Cross (IBC) IBC entered into their system my wife's birthdate being 11 years younger than her actual age for a spousal policy. Consequently we were quoted a lower premium which they honored after 4 months of escalation. IBC had all year to fix this in there system. During my 2018 renewal, I confirmed again that her birthdate was incorrect. However I received a quote 11/22/7 that did not reflect this with a lower premium price than for our age. The 11/22/17 IBC confirming quote did NOT say anywhere "subject to change." On 12/8/17 I received my IBC Premium notice which reflected the correct higher premium price. Must IBC honor the 11/22/17 quote or can they revise it upward ?

Lawyer's Assistant: What state are you in? It matters because laws vary by location.

PA

Lawyer's Assistant: Has anything been filed or reported?

No, I advised IBC customer service who is escalating within their department not legal that I would if they would not honor it

Lawyer's Assistant: Anything else you want the lawyer to know before I connect you?

This is an off exchange individual quote. Our 2018 ages will be 62

Submitted: 7 months ago.Category: Legal
Show More
Show Less
Ask Your Own Legal Question
Answered in 3 minutes by:
12/20/2017
Lawyer: Olivia Kent, Attorney replied 7 months ago
Olivia Kent
Olivia Kent, Attorney
Category: Legal
Satisfied Customers: 4,591
Experience: Partner at Kent Law Group, LLC
Verified

Hello and welcome to JustAnswer. My name is ***** ***** I'm an attorney. Please note this site is general information for educational purposes only and doesn’t constitute not legal advice. You might be offered a phone call, but you are under no obligation to accept; the phone call requests don’t come from me - they’re offered by the website - but if you do want a phone call I’d be happy to do that as well. I'll be happy to help you in any way I can.

I know that if feels like they should have to "live with" their mistake but in actuality they don't. They would not have to honor the "incorrect" price and can very easily claim that they are actually entitled to the difference in last year's underpayment and correct amount. So, it's actually in your favor that they're not claiming that and are simply seeking to correct their error now.

Ask Your Own Legal Question
Lawyer: Olivia Kent, Attorney replied 7 months ago

I don't think there's any harm in pushing a bit and stating that since it was their error you should be entitled to keep it (even though not technically true). I wish I could tell you otherwise but that is the law and, believe me while I don't always love what the law is, I'm not doing you any favors if I don't actually tell you what it is.

Please let me know if I've answered your question. If I have, could you please take a moment to check the box stating that I answered your question - by selecting the appropriate number of stars - so that I receive credit for working with you. If you have any follow up questions I would be happy to answer them. Experts only get credit for the time and effort we spend on our answers if you rate positively (3, 4, 5 stars - 5 stars is definitely appreciated!). It does NOT cost you anything extra and it allows me to get credit for helping you. You CAN still ask follow up questions after rating. There may be a lag between your question and my answer; this is because I'm either not at my computer or helping someone else but I assure you I will ALWAYS come back and answer your questions.

Ask Your Own Legal Question
Customer reply replied 7 months ago
Your answer should be more substantive. Can you specify the actual, relevant legal statute(s) or case law decisions ?
If no, why?
Customer reply replied 7 months ago
I thought I just updated and made the $59 payment to initiate a phone call to(###) ###-####
Lawyer: Michael Bradley, Lawyer replied 7 months ago
Michael Bradley
Category: Legal
Satisfied Customers: 1,660
Experience: Owner at The Protection Group LLC
Verified

I am a new expert

I do not see the phone call request

you would need to contact customer service

Ask Your Own Legal Question
Was this answer helpful?

How JustAnswer works

step-image
Describe your issueThe assistant will guide you
step-image
Chat 1:1 with a lawyerLicensed Experts are available 24/7
step-image
100% satisfaction guaranteeGet all the answers you need
Ask Michael Bradley Your Own Question
Michael Bradley
Michael Bradley
Michael Bradley, Lawyer
Category: Legal
Satisfied Customers: 1,660
1,660 Satisfied Customers
Experience: Owner at The Protection Group LLC

Michael Bradley is online now

A new question is answered every 9 seconds

How JustAnswer works:

  • Ask an ExpertExperts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional AnswerVia email, text message, or notification as you wait on our site. Ask follow up questions if you need to.
  • 100% Satisfaction GuaranteeRate the answer you receive.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... Justanswer.com.
JustAnswer.com...has seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like justanswer.com/legal
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

Mr. Kaplun clearly had an exceptional understanding of the issue and was able to explain it concisely. I would recommend JustAnswer to anyone. Great service that lives up to its promises!

Gary B.Edmond, OK

My Expert was fast and seemed to have the answer to my taser question at the tips of her fingers. Communication was excellent. I left feeling confident in her answer.

EricRedwood City, CA

I am very pleased with JustAnswer as a place to go for divorce or criminal law knowledge and insight.

MichaelWichita, KS

PaulMJD helped me with questions I had regarding an urgent legal matter. His answers were excellent.

Three H.Houston, TX

Anne was extremely helpful. Her information put me in the right direction for action that kept me legal, possible saving me a ton of money in the future. Thank you again, Anne!!

ElaineAtlanta, GA

It worked great. I had the facts and I presented them to my ex-landlord and she folded and returned my deposit. The 50 bucks I spent with you solved my problem.

TonyApopka, FL

Not only did he answer my Michigan divorce question but was also able to help me out with it, too. I have since won my legal case on this matter and thank you so much for it.

LeeMichigan

< Previous | Next >

Meet the Experts:

Ely

Ely

Counselor at Law

24,658 satisfied customers

Private practice with focus on family, criminal, PI, consumer protection, and business consultation.

INFOLAWYER

INFOLAWYER

Attorney

22,843 satisfied customers

Licensed attorney helping individuals and businesses

JPEsq

JPEsq

Attorney

2,132 satisfied customers

Experience as general attorney, in house counsel, SSDI, Family Law attorney, and law professor

Law Educator, Esq.

Law Educator, Esq.

Attorney

44,266 satisfied customers

JA Mentor -Attorney Labor/employment, corporate, sports law, admiralty/maritime and civil rights law

Ellen

Ellen

Lawyer, Consultant

8,238 satisfied customers

25 years of experience helping people like you.

Guillermo Senmartin

Guillermo Senmartin

Lawyer

301 satisfied customers

Principal Attorney at Guillermo J. Senmartin, P.A.

Dimitry K., Esq.

Dimitry K., Esq.

Attorney

17,183 satisfied customers

Multiple jurisdictions, specialize in business/contract disputes, estate creation and administration.

< Previous | Next >

Related Legal Questions
I need to file a motion for sanctions for violation of the
I need to file a motion for sanctions for violation of the Automatic Bankruptcy Stay against a creditor.… read more
Lori
Lori
Juris Doctor
2,110 satisfied customers
My husband and I have been married in IL for 18 years. We
My husband and I have been married in IL for 18 years. We are facing an amicable divorce, but I have a question about paying maintenance. I have been the breadwinner for 9 years (he has chosen not to … read more
Ely
Ely
Counselor at Law
Juris Doctor
24,658 satisfied customers
1. Not sure this falls under consumer protection or DOB NY,
1. Not sure this falls under consumer protection or DOB NY, etc. … read more
DamienJD
DamienJD
Attorney
Doctoral Degree
5,336 satisfied customers
I was off on June 2, 2017. I had been was there 11 years as
I was laid off on June 2, 2017. I had been was there 11 years as an admin and then the Office Manager. Was laid off due to a merger with a sister company. Was offered a 3 month contract at new location. I did most of the work I was doing as Office Manager and took on new admin duties for 3 months. Still had keys to old building and had to handle that. Was that legal? … read more
Legal Eagle
Legal Eagle
Attorney
Doctoral Degree
14,040 satisfied customers
I got a email from Walmart saying they will not accept any
hi I got a email from Walmart saying they will not accept any more order from me and I would like to get this fixed can you help me I will include a copy of the stuff I have did so far… read more
Zoey, JD
Zoey, JD
Doctoral Degree
198 satisfied customers
I have a TAA lease that appears to be fully signed and
I have a TAA lease that appears to be fully signed and executed (it has a stamp saying "this document was executed via the TAA E-signature System" and includes an ID #), but the landlord says they mad… read more
Olivia Kent
Olivia Kent
Attorney
4,591 satisfied customers
Volusia County, Daytona Beach FL 32114, Family written
Family written objection to the "order of referral to general magistrate" FAQ … read more
Ray
Ray
Lawyer
Doctoral Degree
33,756 satisfied customers
I am concerned I rec'd inadequate information when I applied
I am concerned I rec'd inadequate information when I applied for my SS benefits at age 65. I am divorced & my ex-husband did not apply until age 66, & Soc Sec admin told me his benefits exceeded the m… read more
KUMI95
KUMI95
Attorney
Doctoral Degree
17 satisfied customers
What can be the problem with two that have been dating year.
What can be the problem with two that have been dating for a year. My son just turn 18 on July 15 and his girlfriend is turning 17 on August 6. Their has been recently a conflict between her mother an… read more
ScottyMacEsq
ScottyMacEsq
Doctoral Degree
17,940 satisfied customers
I have a yearly sales goal, which I met. However I was
I have a yearly sales goal, which I met. However I was denied a raise where others received a raise because they were over their goal by a higher percentage than me. However other employees where give… read more
Ely
Ely
Counselor at Law
Juris Doctor
24,658 satisfied customers
Concerning used car sales: In Florida is it legal to advertise
Concerning used car sales: In Florida is it legal to advertise a price for a cash purchase that is lower than the price required if the car is financed. For example a sign on a vehicle (or advertiseme… read more
socrateaser
socrateaser
1,031 satisfied customers
Hi! We made a purchase thru the EBay, make a payment by fire
Hi! We made a purchase thru the EBay, make a payment by fire transfer and never receive an item. The price was $3425. We have field not receive item case and escalate it. The EBay customer service, th… read more
MDLaw
MDLaw
Attorney
Post-Doctoral Degree
358 satisfied customers
to stephanie joy Hi Stephanie, my name is XXXXX XXXXX and
to stephanie joy Hi Stephanie, my name is XXXXX XXXXX and we spoke a few months ago about a lawsuit I had filed for medical malpractice. I had been administered 80 mg of Oxycontin and it caused me to … read more
AlexiaEsq.
AlexiaEsq.
Managing Lawyer/Advocate
Doctoral Degree
37 satisfied customers
Ilve had long term care insurance w/MetLife since 2003. Money
I'lve had long term care insurance w/MetLife since 2003. Money was automically sent from my account with XXXXX XXXXX - St. Louis. Premium due was scheduled to go out to Met Life on 1/11/10. Computer c… read more
Barrister
Barrister
Attorney/Landlord/Realtor
Doctoral Degree
38,248 satisfied customers
I am employed with a nationwide company who provides health
I am employed with a nationwide company who provides health insurance thru a group policy from Blue cross Blue Shield. I live in texas with a nine year old autistic kid. Does the law allow manadatory … read more
Ray
Ray
Lawyer
Doctoral Degree
33,756 satisfied customers
I have received a quote for group health insurance for my small
I have received a quote for group health insurance for my small business from a major insurance company. We have seven employees. Rather than a group rate. They quoted a different rate for each indivi… read more
Ray
Ray
Lawyer
Doctoral Degree
33,756 satisfied customers
Online company (Pricemad) advertised (Pioneer)product with
Online company (Pricemad) advertised (Pioneer)product with specification that is not included with product. They mailed invoice after credit card purchase, which has a different product discription fr… read more
Sam
Sam
Attorney
Doctoral Degree
10,701 satisfied customers
My son who is 21 now, when he was 20 had sex with 14
My son who is 21 now, when he was 20 had sex with 14 year old since then 2-3 times, it was consentual on both parties. He needs to turn himself in , we need to know what the worst or least he will get… read more
AlexiaEsq.
AlexiaEsq.
Managing Lawyer/Advocate
Doctoral Degree
37 satisfied customers

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.

The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).

Show MoreShow Less

Ask Your Question

x