Earl Said:

Health insurance transfer question?

We Answered:

You didn't say what type of secondary insurance so I will guess that it's a Medicare Supplement.

First off - they cannot knock grandma off of the policy. It is against the law and Medicare regulations. The insurance company could have it's license pulled if it does.

Second - Medicare will only pay for short term skilled nursing up to 100 days and only then if there is a chance of grandma getting better and leaving the home within that 100 days. If Medicare decides there is no chance of her getting better they can decline coverage at any time within that 100 days. If they decline coverage then the insurance company will decline coverage because a Medicare Supplement will only pay for Medicare approved procedures. If she has a long term care policy that policy will then take over. If she doesn't have a long term care policy your grandparents will have to use (spend down) their assets and income until they qualify for Medicaid. At that time she may have to move because the home she is in may not be Medicaid approved. The secondary insurance is not knocking her off and will still cover other procedures, just not the home.

The coverage denial will not prevent grandma from being able to get other insurance coverage but being in a nursing home will hurt her chances with most Medicare Supplements. Medicare Advantage plans will accept her in a home but will not pay for the home either.

Clifford Said:

Anyone know any Benefactors or organisations who will sponsor a 5 yr old boy's wheelchair or therapy ?

We Answered:

Throughout the world, ther eare many sources to assist indiviudlas with disabilities. However, the fragmented piecemeal approach to meet comprehensive needs is often seriously deficient. For fruther discussion on this topic and whta can be done to fill the gap, go to the link below.

Robin Said:

Insurance companies trying to get money?

We Answered:

The insurance company is not trying to get money. Insurance companies can deny claims once they exhaust certain limits which have been covered. Secondly if it is a case of high claims since medical insurance is not mandatory the insurance company can deny coverage. They are doing business. You need the confirmation from doctors and not teachers.