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…

Yes, within certain guidelines. If the premiums are 100% paid by your employer, you may not be able to drop your spouse because you have no interest in the insurance process. Such coverage is not compulsory, but it does make practical sense to use an insurance…

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…

Your health insurance policy works differently according to the issuing company and any options you have taken on the policy. In general, no health insurance policy covers everything, and even the things that are covered may not be covered completely. Before…

For an insurance company, your credit rating is an indicator of your financial responsibility. If you have a low credit score, you are automatically more of a risk for the company than someone with a high credit score. this means that a low gredit score could…

AARP does not sell health or other types of policies directly but they do partner with leading insurance providers to offer coverage to their members. In many ways, this could be to your advantage, because you can rely on AARP's standards to limit the choices…

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…