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 Posted: Mon Jan 05, 2009 11:05 am Post subject: |
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SD' c'mon now, you've offered nothing but your opinion.
Not one shread of verifiable facts from a credible source.
PLEASE read the links provided on this thread relating to HIPAA.
If you are advising people they DON'T have to sign or disclose the fact they have HIV/AIDS on medical or life insurance applications you are WRONG.
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Gary Spicuzza, *SAFE
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GarySpicuzza
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| Posted: Mon Jan 05, 2009 3:43 pm Post subject: |
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sdchargersfan said
"ANYONE has a right to have Medical or Life Insurance"
What law says we have to sale anyone life insurance no matter what is wrong with them? Why is this a right?
I think it is crazy that you think the hippa law requires an insurance company to take a person with aids/hiv or anything wrong with them.
If what you are saying is truth, then why do they put health questions on the application?
I have reviewed a lot of your other post. Seems like to me that you just like to talk bad about insurance agents and keeps saying that we only want to make money and don't care about our clients.
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Mark Rosenthal
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lifeagent911
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| Posted: Mon Jan 05, 2009 6:55 pm Post subject: insurance |
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| Thre ARE Health questions on applications, concerning Life Insurance...........there was ALOT of Health/Medical questions on mine, anyway. The Life Insurance I have in the Military asks ALOT of Health questions..............I have a $400,000.00 policy through the Military. I'm "wrong" telling my 'client' this infomation? Well...................then you better let the 'client's caseworker know this.............the caseworker gets her nformation from the county/state of PA. So.........as I said, I don't think an ENTIRE state is wrong. |
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sdchargersfan
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| Posted: Thu Jan 08, 2009 7:29 am Post subject: |
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Sd, what you are stating is too good to be true. If the insurers are nor allowed to discriminate based on the health conditions then people in good health would end up paying more they they are required.
Now tell me, would you support the idea of providing auto insurance at even rate to all the motorists no matter how tinted their driving records are ? If the insurers are allowed to discriminate applicants based on their driving records, then why shouldn't they do the same with the health/life insurance.
~Jeremy |
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JeremyHolter
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| Posted: Thu Jan 08, 2009 7:37 am Post subject: |
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Jeremy, I think that is the reason why the states have high-risk pool and/or guaranteed health plan schemes available in the states. It facilitates the people with pre-existing health conditions and serious health troubles finding appropriate health plans. However, these plans too are rated very high to cover the high risks associated with covering these policy holders.
I have seen people with Cancer toiling to get life insurance since no carrier is ready to get them covered. I think the same applies to HIV/AIDS as well.
However, if the medical condition was unknown to the applicant at the time of buying the plan the insurer is liable to cover the incident. |
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simon
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| Posted: Thu Jan 08, 2009 12:06 pm Post subject: insurance |
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| I don't know what to tell ya'll........Laws and Guidelines can't be changed because someone doesn't approve of them. |
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sdchargersfan
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| Posted: Thu Jan 08, 2009 2:27 pm Post subject: |
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Just remember Sdchargersfan is not an insurance agent and is only going by what she thinks she knows.
If you want the correct answer, you need to talk to someone that has an insurance Lic and is trained to answer your questions.
SHe is 100% wrong. An Life Insurance Company does not have to take someone with aids/hiv. There is no law that an insurance company is required to take you for life insurance. Read the rest of her post on the thread.
You keep talking about Guidelines and laws. Either show us these laws and guidelines or shut up, because you don't know what your talking about.
You do not have an insurance lic, so I recommend you stop trying to tell clients what the laws are and acting like your an agent. If you had an lic, you would know that you are 100% clueless.
If what you are saying is correct, they why do they have questions on an app and make you do a medical most of the time.
Once again, either show us the Laws and Guidelines, or get an insurance lic, or shut up giving out wrong information. |
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lifeagent911
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| Posted: Thu Jan 08, 2009 3:47 pm Post subject: |
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SD' I don't why you continue with your opinion on this subject matter.
You've been ask to find us verifiable information that supports your understanding of HIPAA and you refuse to do so.
If you are NOT going to let this go and move on then neither will I and I will continue to challenge your incorrect information.
YOU ARE FLAT OUT WRONG.
PERIOD.
END OF STORY.
Please stop offering your incorrect opinion and show us information, let's say, from the United States Government who passes these needless laws in the first place.
I don't mean to be harsh but I supplied the link from the United States Government regarding the HIPAA privacy rules and EXCEPTIONS and yet you continue with your absolutely false information.
Please stop this.
At this point your postings are nothing more than political rhetoric coming straight (pun intended) from the gay community.
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Gary Spicuzza, *SAFE
Copyright 1956.
No Rights Reserved.
*Self Appointed Financial Expert |
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GarySpicuzza
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| Posted: Fri Jan 09, 2009 12:32 am Post subject: insurance |
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| As I said, people have their OWN opionion: You agree or you don't. My making posts ( on how the HIPAA laws protect my 'Client' and what I'm allowed to do for her/him) will continue on this forum...that's how it is. I said, from the beginning, I'm NOT an Insurance Agent. |
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sdchargersfan
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| Posted: Fri Jan 09, 2009 1:32 am Post subject: |
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Make them sign a form that says if they don't die before the end of their term policy you are not responsible.
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Victor Suris
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victor27s
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| Posted: Fri Jan 09, 2009 1:33 am Post subject: |
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There is a difference between a fact and an opionion. Sdchargersfan some people will always think the world is flat. Even when we can prove the world is round.
I would value an opionion from a lic doctor more then I would from just someone that works in a doctor's office.
YOu post is not how the hippaa law protects your client. You did a lot of back tracking.
You said that a life insurance company must accept a person with aid/hiv because the hippa law makes them take them. You said there is a law and it's in their rights.
Again here is what you said already on the post.
The following is what you said again on this post.
"A friend of mine has a 'pre-existing' Medical condition, that is 'covered' under the HIPAA Law. 'His' Insurance company refused to sell him Life Insurance if he did not sign a similar form ('not responsible for...). His Mother was POA. When my friend passed away, his mother sued the Insurance company and won."
"The HIPAA Law......my friend was HIV..AIDS. He din't have to divuldge any of that information to any sort of Insurance."
I bet you go on the forums for doctors to talk to other doctors and give your opionion there also. LOL. You know you love playing insurance agent or you would stay on the client section of the forum. There is a reason why you stay on the agent sections of the forum and give your advise about insurance and the laws. |
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lifeagent911
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| Posted: Fri Jan 09, 2009 1:52 am Post subject: insurance |
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| I make posts ANYWHERE on the forum. I give advice on what I know: I don't give advice on Insurance ( in general)..just on what the Insurance Companies, that my 'Client' deals with, are obligated to give her/him. And...what can (possibly?) happen if the Insurance Companies don't 'live up' to those obligations. |
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sdchargersfan
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| Posted: Fri Jan 09, 2009 1:57 am Post subject: |
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| sdchargersfan, So an insurance company is obligated to give a person with hiv/agents or any health condition life insurance and it should not be underwritten. This is because the hippa law right. Hmm. You give this advise because you know this. Hmm. |
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lifeagent911
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| Posted: Fri Jan 09, 2009 3:50 am Post subject: insurance |
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| In THIS particular case I'm 'working on'..yes..I DO know this. |
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sdchargersfan
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| Posted: Fri Jan 09, 2009 4:10 am Post subject: insurance |
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| It amazes me that Insurance Agents/Companies get very defensive when they are 'challanged' by others. My 'Client' deserves ALOT better 'treatment' than what her/his Insurance Companies are giving her. It's very upsetting to see. |
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sdchargersfan
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