Posts Tagged ‘insurance’

I’m just new here in USA, can I make my last will and testament online or do I have to go to the bank and have witnesses. My problem is I don’t have relatives here in our place, Michigan. Though I don’t have yet any assets or money and I’m fully dependent with my husband; but since I lost my trust on him, he is bad. He bought life insurance for me that I didn’t know as if I sense that he wanted to kill me for money to get insurance and plus because I came from another country he gives me credit cards and made me as a primary owner which at that time I sense him that my husband wants to do bad things to me. He wants to put all his debts and loans in my name he thought that I’m a foolish and I don’t know anything here in USA.
I need to write a will just in case he forge my signature or some of his credit union accounts like Michigan First Credit Union has their family CUNA Life Insurance. I’m afraid that he can still bought a life insurance for me even without health examination. The first life insurance he bought for me a nurse came to our house and check my urine and blood test; but I called veteran’s life insurance and cancelled it though my husband is the one who is paying. I just want to make sure my husband don’t have any life insurance that he bought for me. How can I make sure of that?

Last Will and Testament?
I’m new here in USA and I don’t have yet any assets or money. I’m fully depending with my husband. My question is can I write last will and testament eventhough you have no money or assets yet. I’m afraid that my husband bought a life insurance for me without my knowing like in his credit union like Michigan Credit Union which has a CUNA Family Life Insurance which I’m a joint in that account. I’m afraid that he can collect life insurance on me without knowing. I don’t want my husband to become the beneficiary at all. I want my parents to become beneficiary in the future. Can I do my last will and testament for the future?

VICTIM OF FRAUD

My wife was having a baby back on May-2006, Her primary Doctor sent her
To the Obstetrix Medical Group Located in Hamilton Ave San Jose, Ca.
Her primary Doctor told her not worry about the Insurance covering because
They do accept PacifiCare.!
My wife and I were barely new to PacifiCare we didn’t know how this really
Works or what exactly we supposed to do before visit any place “According to
PacifiCare”
We hired the doctor in the first place “thanks God” was in the PacifiCare Network.
But we thought that once we have a doctor and the doctor send you to these
Different places for testing or examinations? It will cover by the insurance.!!
However this is what got us in trouble.
Even if a doctor send you to another place for some sore of test, we supposed to
Find out first if that place is cover by PacifiCare, According to this Insurance.
But, there were times that insurance was confused themselves with their system,
They didn’t even know if some places my wife’s doctor used for third party work
Were their responsibility to pay or not.
How we supposed to know that as well?? They didn’t make any sense at all.
Which, Again, We didn’t know this. And because the doctor told us the
Obstetrix Medical Group is cover by PacifiCare? So went and we even asked the
Counter Employee at the desk if they take PacifiCare? And she said “Yes”
She took our Insurance card and took a photocopy and we filled out other forms

Days later, We received a bill from Obstetrix Medical Group for the amount of
,964 which this bill continued arriving over and over at my house.
In the mean time I was calling insurance to find out why they were not paying this
Bill? And they told me that the Obstetrix Medical Group was not in the network.
We told them that my wife’s doctor checked it in Northrop Grumman website that
Was in the network that it was cover that’s why we went.

Time went by, later I received a letter from California Business Bureau collecting
The amount of ,731.41 including fees. To contact the collector

At this time I got the news that PacifiCare Finally decided to pay so I got the copy
Of the PacifiCare Payment.
Then I called this guy the collector and told him this bill has been paid by the
Insurance. Then he asked to send him a copy.
I did, sent him the copy when saw the total amount that was paid to Obstetrix?
Which was ,178.40 because the difference was my discount.
THIS IS HOW HMO INSURANCE COMPANY WORKS
However, the collector told me: “ Not, you need to pay the difference then, I said:
If you have any questions, please call the insurance.
So, he told me that he will check it out.

On 01/23/2008
6 Months later I received a garnishment letter from the company I work for that
Legal Action involving employee wages will be against me.

So, I contacted the collector and asked him: “Why Do you keep bothering me with this?
This bill has been paid before back on 05/07/2007”
He replied: “Not, it Hasn’t” you are responsible for the difference of the ,178.41 plus interest.
Then I said “no” you still don’t understand.! Ok, I’ll find out thru my insurance and the obstetrix
Medical group to see what they are after me for?

So, I called the Insurance PacifiCare and explained them the situation and they said:
“Well, we don’t understand why this people is bothering you, this bill has been paid back on
05/07/2007 call for some Legal help.

I called the Obstetrix Medical Group Headquaters in Arizona at the Phone Number:
1-877-737-4546, I talked to the guy “that help”which he didn’t want
Give me his last name or any reference number.
Anyways, He told me that my wife’s account has been closed back in 05/07/2007
With satisfactory results that he didn’t understand why collection still working on this.
He even told me that he will send a letter to collection to stop this but this will take
Some time to get there and stop it.
But collection is already on my employer against my wages.

Later, I faxed these two statements from the calls to the collector and called him
After works to tell him that nothing is left to be paid.

He said “No” you need to pay the remaining balance plus interest.
So I told him, fine I’ll contact my Company benefit representative, then he said, “Ok”

So, I called my company benefit representative and explained her the problem.
She said: “Bring me copies of everything you got”

She called the California Business Bureau and asked for some one in charged
For the particular matter.
So, spoke a lady there, they went thru the Problem and they came out that
They were making a mistake.
That they thought I was in the PPO Plan because the HMO Plan members don’t owe
Any difference and that the fees will be waved.

So, The lady will send a document via Fax to my company benefit representative and that
She will send this copy to my company payroll so they can stop this.

WHY WE HAVE TO GO THRU THIS??
WHO IS PAYING ME MY TIME FOR THIS??
WHO IS PAYING MY FRUSTRATION FOR THIS??
WHO IS PAYING FOR THE BAD MOOD I’VE BEEN WITH MY FAMILY??
WHAT ABOUT MY CREDIT REPORT RATE??

PLEASE, HELP
First, I’m not a book writer to decide how much should I put in my text.!

I’m just an individual trying to survive from my attackers.!

Some people here in these answers are not undertanding the subject.

I said:
This place was in the Insurance Network under my company website.
We checked it at the doctor’s office that day, that’s why we went.

Now when the collection started their collection letters? I called them to let them know that the bill has been fully paid and nothing was left to owe.
But, this collector was so stubborn about it and said to me many times:
"No, it’s your responsability to pay the difference and I will collect this money"

Now, my company sarted to take money from my check.!
and my company Benefit representative
is working on the issue that it’s wrong and she asking letters to the collector to send them to my company to stop this as we’re speaking.!

I’ll appreciate more help and where to go exactly to see if I have a case or not.

If I change my legal guardian to my aunt will I still get my parents health insurance?

Dear Senator Feinstein,

As a Californian and excellent customer of the Internal Revenue Service, I
am writing to ask for your assistance. I have contacted the Immigration and
Naturalization Service in an effort to determine the process for becoming an
illegal alien and they referred me to you.

My reasons for wishing to change my status from U.S. Citizen to illegal
alien stem from the bill which was recently passed by your Senate, in which
you voted in favor of. If my understanding of this bill’s provisions are
accurate, as an illegal alien who has been in the United States for five
years, what I need to do to become a citizen is to pay a ,000 fine and
income taxes for three of the last five years. I know a good deal when I see
one and I am anxious to get this process started before everyone figures it
out. Simply put, those of us who have been here legally have had to pay
taxes every year, so I’m excited about the prospect of avoiding two years of
taxes in return for paying a ,000 fine. Is there any way that I can apply
to be illegal retroactively? This would yield an excellent result for me and
my family because we paid heavy taxes in 2004 and 2005.

Another benefit in gaining illegal status would be that my daughter would
receive preferential treatment relative to her law school applications and
most likely get a scholarship to the University and save me a fortune. Also,
as you know healthcare benefits are costly, my insurance alone costs me over
,200 per month and thats if no one even uses it. As soon as my legal
status changes, my hospital bills will be sent to the taxpayer and this will
save me a lot of money as well.

If you would provide me with an outline of the process to become an illegal
citizen and copies of the necessary forms, I would be most appreciative.

Thank you for your assistance in helping me with this important transition.

Your Loyal Constituent,