COVID and an Insurance NOMINATION question

@vandana7 (82940)
India
June 10, 2021 10:04am CST
So ..its me and my dad We are sufficiently covered. But...I am the nominee in Dad's policy, and Dad is the nominee in mine. Now..this means, should both of us get infected ...we are doomed. Anybody who tries to help us...may not get reimbursed. The amount would not be small... to spend and forget about it. So this could be a concern on mind of any good samaritan in these times. Apart from fear of infection, of course. How does health insurance nomination work at your end?
11 people like this
8 responses
@marguicha (172936)
• Chile
10 Jun
In my country there is health for everyone in these situations. Anyone can use any hospital bed even if it is private or public hospital. But critical beds are full. So I am staying at home and try not to get ill of anything.
4 people like this
@vandana7 (82940)
• India
10 Jun
Aw...we saw that period too...though it has passed. We hope we won't see a third wave.
2 people like this
@marguicha (172936)
• Chile
10 Jun
@vandana7 I think the safest way is to stay home if we can.
2 people like this
@vandana7 (82940)
• India
10 Jun
1 person likes this
• Eugene, Oregon
10 Jun
With Anne's cancer treatment, most of the huge bills are covered by Medicare (government insurance for those over 65) and a supplemental policy we buy. The last two months' bills that we paid the uncovered amount were over $900 each.
2 people like this
@vandana7 (82940)
• India
10 Jun
Aw..that is huge.. I thought Medicare covers you all completely.
2 people like this
@vandana7 (82940)
• India
10 Jun
@JamesHxstatic Europe is managing without going bankrupt, why can't the rest of the world adopt it.
2 people like this
• Eugene, Oregon
10 Jun
@vandana7 I wonder too.
2 people like this
@RebeccasFarm (33093)
• Wheat Ridge, Colorado
12 Jun
This is terrible Vanny for you to worry I understand. Here it is just myself and my son. If both of us got sick there would be absolutely not one person to help. The insurance I guess would cover maybe..maybe not.
1 person likes this
@vandana7 (82940)
• India
12 Jun
Exactly my situation. That is the reason my maid got an extra off. 2 months plus! Cannot take any risk.
1 person likes this
• Wheat Ridge, Colorado
12 Jun
@vandana7 I get it..not a good situation to be in xo
1 person likes this
@vandana7 (82940)
• India
13 Jun
@RebeccasFarm But folks don't understand when you tell them we are in complete isolation. Why would anybody who has lot to lose, since we cannot change the nominee of our insurances at the drop of hat, help us out by taking us to hospital? We have policies but they are at home. We don't know who will help us, so we cannot put the nominee's name upfront. We also cannot hand over the insurance documents to them for the same reason. If they are not around...we will be in bigger soup. And this is the kinda ailment, we would be suffering a lot ..so we won't be able to tell whoever is helping, I have placed insurance documents there. This is how much I am covered for, and that is the card. So yeah..it has to be collection of reimbursement and if we don't survive...the poor good samaritan who chooses to help us would be in financial soup for quite a few years.
1 person likes this
@LadyDuck (340575)
• Switzerland
11 Jun
We are covered by the National Health Insurance, should both my husband and I get sick the insurance covers, no problems.
1 person likes this
@vandana7 (82940)
• India
11 Jun
I wish we would get your type of health insurance. Here we have insurance companies, and we have to buy the covers.
1 person likes this
@LadyDuck (340575)
• Switzerland
12 Jun
@vandana7 We have several companies, but they must be approved by the Federal Government and they must give the same healthcare coverage. There is not a big difference from one to another, we subscribed to the one our Swiss friend suggested and we are very happy.
1 person likes this
@vandana7 (82940)
• India
12 Jun
@LadyDuck How I wish our insurance regulatory authority would standardize the pattern...then it would be so great...we would know which clause to look at for differentiating the coverage.
1 person likes this
@LindaOHio (67510)
• United States
11 Jun
We are covered quite well by our Medicare Advantage Insurance. We pay a small portion of our charges. When my husband was taken by ambulance and then life-flighted to a hospital on the other side of town, his total charges for that 1 or 2 days was around $35,000 USD. We paid around $1,000 USD. He was in the hospital for 2 weeks and in rehab for 2 weeks. We paid very little for all of that. I'm sorry your coverage does not sound as good.
1 person likes this
@vandana7 (82940)
• India
11 Jun
That is huge bill for just two days. I am not so concerned about coverage extent. I am covered for about 100000 dollars. But who will get it, should we die.
1 person likes this
@LindaOHio (67510)
• United States
11 Jun
@vandana7 Your health insurance is like a life insurance policy? Someone gets the proceeds if you should die?
1 person likes this
@vandana7 (82940)
• India
11 Jun
@LindaOHio It can be used as cashless, or reimbursement. Kinda people are allowed to pay upfront, and then present the bills within a limited time frame of course, for claiming. The advantage with this one is, hospital does not get to charge you more by keeping you around till your bills are paid.
1 person likes this
@wolfgirl569 (40907)
• Marion, Ohio
11 Jun
They did say that if you caught covid here you would not owe anything for treatment. But except for that it depends on what insurance you have
1 person likes this
@vandana7 (82940)
• India
11 Jun
Hmm.. I am surprised you all have to buy more coverage than medicare.
1 person likes this
@wolfgirl569 (40907)
• Marion, Ohio
11 Jun
@vandana7 Medicare is only after a certain age. Used to be 65 but they have been slowly raising that. Everyone else has to buy insurance if they want covered at all. Plus medicare doesnt cover a whole lot anymore. So even most retirees carry an extra insurance with it. America is very behind on medical coverage compared to many other countries
1 person likes this
@vandana7 (82940)
• India
11 Jun
@wolfgirl569 And I thought you all were so advanced.
1 person likes this
• India
10 Jun
Yes this is how it's in my family too. I'm moms nominee and mom is my nominee
1 person likes this
@vandana7 (82940)
• India
10 Jun
Scary isn't it? If both get infected..
1 person likes this
• India
11 Jun
1 person likes this
@kaylachan (20653)
• Daytona Beach, Florida
10 Jun
I'm not sure what you're talking about. Are you talking about life insurance? What money someone could collect, should one or the other pass away? Or, are you talking about in case of emergency?
1 person likes this
@vandana7 (82940)
• India
10 Jun
Health insurance. In case of emergency, they require us to intimate the insurance company within 1 day of hospitalization. Now, whoever is helping us, would not know where which documents are placed. We would be in bad shape with our breathing issues to help out.. So it has to be reimbursement method. This means that person helping will have to put something down from his or her pocket till we can get it back from insurance company and pay it to him / her. If we kick the bucket, what happens?