Group health insurance policies allow the primary policyholder to add their spouse and any dependents who live in the home. If you are a legal dependent of your sister, she can add you to her group health policy, but there may be a designated enrollment period…

While prescription drugs are covered under all health insurance policies, the opposite cannot be said to be true. Your doctor could prescribe a medication that is not covered under your insurance for a number of reasons. One reason that a prescription drug…

Insurance is often offered as part of a benefits package to enhance employee loyalty, but there are no state or federal laws that require a business to offer health insurance to all or even a portion of their employees. When insurance is offered, the company…

If the teen girl was already covered under her parents' health insurance, she would continue to be covered after giving birth. It might be difficult to add her to their insurance after the child is born, but any teen child who still lives at home can be covered…

Employers are prohibited by law from taking any sort of punitive action against an employee because they are out of work on a Workers Comp claim or medical leave. Since your eligibility for health insurance is often through the employer, taking away your…

As the Health Care Reform goes into effect between now and 2014, everyone will be required to have health insurance, either through private insurance or group insurance offerings. The requirement of having insurance is problematic for many people who do not…

Until October of 2010, insurance companies had strict regulations regarding when and for how long you could stay on your parents' insurance plan. As the Healthcare Reform Act of 2010 goes into effect, though, it will mean that many young adults are able to…

Under the Healthcare Reform Act of 2010, children are allowed to stay on their parent's health plan until they reach the age of 26 regardless of whether they live at home, attend college or get married. Until October of 2010, most health insurance companies…

To say that a person is uninsurable is a broad term that really only applies to a limited number of conditions. If you have a terminal illness you will be uninsurable by other health insurance providers, but even then you will be eligible for high risk programs…

Coinsurance is the amount you have to pay out of pocket each time you see a medical professional. Because you are paying a percentage of the cost yourself, coinsurance is sometimes referred to as percentage participation. Unlike a deductible, coinsurance…