Another Indemnity Question???

J

Jane

Digital opinion leader
<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>Asexyblond23</b></i>

I have physicans mutual
<img src="i/expressions/face-icon-small-smile.gif" border="0"></end quote></div>

Alisha, how long ago did you take out your policy? When I called, they said they don't offer a plan to Massachusetts anymore, but they do others. Just curious.
 
J

Jane

Digital opinion leader
<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>Asexyblond23</b></i>

I have physicans mutual
<img src="i/expressions/face-icon-small-smile.gif" border="0"></end quote></div>

Alisha, how long ago did you take out your policy? When I called, they said they don't offer a plan to Massachusetts anymore, but they do others. Just curious.
 
J

Jane

Digital opinion leader
<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>Asexyblond23</b></i>

I have physicans mutual
<img src="i/expressions/face-icon-small-smile.gif" border="0"></end quote></div>

Alisha, how long ago did you take out your policy? When I called, they said they don't offer a plan to Massachusetts anymore, but they do others. Just curious.
 
J

Jane

Digital opinion leader
<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>Asexyblond23</b></i>

I have physicans mutual
<img src="i/expressions/face-icon-small-smile.gif" border="0"></end quote>

Alisha, how long ago did you take out your policy? When I called, they said they don't offer a plan to Massachusetts anymore, but they do others. Just curious.
 
J

Jane

Digital opinion leader
<div class="FTQUOTE"><begin quote><i>Originally posted by: <b>Asexyblond23</b></i>
<br />
<br />I have physicans mutual
<br /> <img src="i/expressions/face-icon-small-smile.gif" border="0"></end quote>
<br />
<br />Alisha, how long ago did you take out your policy? When I called, they said they don't offer a plan to Massachusetts anymore, but they do others. Just curious.
<br />
 
Z

zoe4life

New member
Yeah, same here, Jane...not in Florida.

I am calling my Combined person tomorrow, Mel and I were wondering if we could have 2 of the same policies on Zoe with Combined. I'll let ya'll know!
 
Z

zoe4life

New member
Yeah, same here, Jane...not in Florida.

I am calling my Combined person tomorrow, Mel and I were wondering if we could have 2 of the same policies on Zoe with Combined. I'll let ya'll know!
 
Z

zoe4life

New member
Yeah, same here, Jane...not in Florida.

I am calling my Combined person tomorrow, Mel and I were wondering if we could have 2 of the same policies on Zoe with Combined. I'll let ya'll know!
 
Z

zoe4life

New member
Yeah, same here, Jane...not in Florida.

I am calling my Combined person tomorrow, Mel and I were wondering if we could have 2 of the same policies on Zoe with Combined. I'll let ya'll know!
 
Z

zoe4life

New member
<br />Yeah, same here, Jane...not in Florida.
<br />
<br />I am calling my Combined person tomorrow, Mel and I were wondering if we could have 2 of the same policies on Zoe with Combined. I'll let ya'll know!
<br />
 
T

TestifyToLove

New member
It's probable that Aflac falls under the same group versus individual health insurance policy laws that regular health insurance falls under. We're no longer insurable under individual health insurance, not for regular health insurance and not for sickness insurance. DH is stuck in corporate America for the rest of his career. Between the CF, the hemophilia and my clotting disorder, nearly half of our family would get dinged if we attempted to seek out individual insurance.

However, Federal laws requires that group health insurance cover pre-existings immediately if there has never been a lapse in coverage and after 12 months if there has been a lapse greater than 60 days in the last 12 months. So, if you get AFLAC through your employer as a group insurance program, they would have to cover you.
 
T

TestifyToLove

New member
It's probable that Aflac falls under the same group versus individual health insurance policy laws that regular health insurance falls under. We're no longer insurable under individual health insurance, not for regular health insurance and not for sickness insurance. DH is stuck in corporate America for the rest of his career. Between the CF, the hemophilia and my clotting disorder, nearly half of our family would get dinged if we attempted to seek out individual insurance.

However, Federal laws requires that group health insurance cover pre-existings immediately if there has never been a lapse in coverage and after 12 months if there has been a lapse greater than 60 days in the last 12 months. So, if you get AFLAC through your employer as a group insurance program, they would have to cover you.
 
T

TestifyToLove

New member
It's probable that Aflac falls under the same group versus individual health insurance policy laws that regular health insurance falls under. We're no longer insurable under individual health insurance, not for regular health insurance and not for sickness insurance. DH is stuck in corporate America for the rest of his career. Between the CF, the hemophilia and my clotting disorder, nearly half of our family would get dinged if we attempted to seek out individual insurance.

However, Federal laws requires that group health insurance cover pre-existings immediately if there has never been a lapse in coverage and after 12 months if there has been a lapse greater than 60 days in the last 12 months. So, if you get AFLAC through your employer as a group insurance program, they would have to cover you.
 
T

TestifyToLove

New member
It's probable that Aflac falls under the same group versus individual health insurance policy laws that regular health insurance falls under. We're no longer insurable under individual health insurance, not for regular health insurance and not for sickness insurance. DH is stuck in corporate America for the rest of his career. Between the CF, the hemophilia and my clotting disorder, nearly half of our family would get dinged if we attempted to seek out individual insurance.

However, Federal laws requires that group health insurance cover pre-existings immediately if there has never been a lapse in coverage and after 12 months if there has been a lapse greater than 60 days in the last 12 months. So, if you get AFLAC through your employer as a group insurance program, they would have to cover you.
 
T

TestifyToLove

New member
It's probable that Aflac falls under the same group versus individual health insurance policy laws that regular health insurance falls under. We're no longer insurable under individual health insurance, not for regular health insurance and not for sickness insurance. DH is stuck in corporate America for the rest of his career. Between the CF, the hemophilia and my clotting disorder, nearly half of our family would get dinged if we attempted to seek out individual insurance.
<br />
<br />However, Federal laws requires that group health insurance cover pre-existings immediately if there has never been a lapse in coverage and after 12 months if there has been a lapse greater than 60 days in the last 12 months. So, if you get AFLAC through your employer as a group insurance program, they would have to cover you.
 
A

Allisa35

Member
I just wanted to mention that I have a policy through Physicians Mutual as well. I have had mine for many years (I think I actually started it before I was married which was almost 12 years ago). It did have a pre-existing clause where they wouldn't cover anything related to CF for 1 year.

On a side note, my sister who also has CF, could't get an idemnity policy. Go figure. Maybe they have changed their guidelines since I started mine.
 
A

Allisa35

Member
I just wanted to mention that I have a policy through Physicians Mutual as well. I have had mine for many years (I think I actually started it before I was married which was almost 12 years ago). It did have a pre-existing clause where they wouldn't cover anything related to CF for 1 year.

On a side note, my sister who also has CF, could't get an idemnity policy. Go figure. Maybe they have changed their guidelines since I started mine.
 
A

Allisa35

Member
I just wanted to mention that I have a policy through Physicians Mutual as well. I have had mine for many years (I think I actually started it before I was married which was almost 12 years ago). It did have a pre-existing clause where they wouldn't cover anything related to CF for 1 year.

On a side note, my sister who also has CF, could't get an idemnity policy. Go figure. Maybe they have changed their guidelines since I started mine.
 
A

Allisa35

Member
I just wanted to mention that I have a policy through Physicians Mutual as well. I have had mine for many years (I think I actually started it before I was married which was almost 12 years ago). It did have a pre-existing clause where they wouldn't cover anything related to CF for 1 year.

On a side note, my sister who also has CF, could't get an idemnity policy. Go figure. Maybe they have changed their guidelines since I started mine.
 
A

Allisa35

Member
I just wanted to mention that I have a policy through Physicians Mutual as well. I have had mine for many years (I think I actually started it before I was married which was almost 12 years ago). It did have a pre-existing clause where they wouldn't cover anything related to CF for 1 year.
<br />
<br />On a side note, my sister who also has CF, could't get an idemnity policy. Go figure. Maybe they have changed their guidelines since I started mine.
 
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