Why should McCain or Obama be President

[daihashi]

I know you said you sold insurance and actually know something about it, but I do not think the term "blanket policy" or "blanket insurance" means what you say it does. I don't think that term applies to health insurance at all.

I think "blanket insurance" means coverage for more than one type of property at one location or one type of property at more than one location, and it applies to property/casualty insurance, not health insurance. An example would be if a chain store wanted to insure all its store locations.

When a company provides health insurance or life insurance to all its employees, without making each one qualify individually, I think it's called "group insurance," not "blanket inusrance."

Blanket is a term that can be used in many types of policy write ups. It is usually written for larger companies who have a number of employees to be able to cover them all. Typically this type of insurance is usually available through larger companies; corporations such as exxon-mobil, microsoft or any other large company.

Blanket can be used in Life insurance, health or other things.

Feel free to take your Group 1 license and Health Insurance license to find out for yourself . The test varies from state to state but is pretty close to being the same regardless of where you are in the US.

[dragonrider]

Blanket is a term that can be used in many types of policy write ups. It is usually written for larger companies who have a number of employees to be able to cover them all. Typically this type of insurance is usually available through larger companies; corporations such as exxon-mobil, microsoft or any other large company.

Blanket can be used in Life insurance, health or other things.

Feel free to take your Group 1 license and Health Insurance license to find out for yourself . The test varies from state to state but is pretty close to being the same regardless of where you are in the US.

Well, this might have been a quibble on my part. And I'm certainly in no position to argue, because I don't have a license, and I do not work in insurance. But I think the point you were making to Bigweed is that employers offer coverage to groups of employees, without indvidual employees having to qualify --- individuals are not denied based on pre-existing conditions, which is what he was worried about. I think the kind of insurance in which a group is covered without inidividuals having to qualify is called "group insurance."

Maybe "blanket" is used in health insurance as well, but I don't think the term refers to the idea that individuls don't have to qualify. I think it has more to do with insuring classes of things at multiple locations --- I don't know how that would apply to health insurance, but maybe it would refer to a policy that covers a class of employees in multiple factories? I've only ever heard it used in reference to property/casualty coverage, so I do not know what it means in relation to health insurance.

Anyway, I think the term "group insurance" ALWAYS refers to insuring a group, without individuals having to qualify. While "blanket" might refer to that kind of thing as well, but it might also have a lot of different meanings that do not mean individuals do not have to qualify.

Whatever. Like I said, I don't work in this field. But I think you are always safe calling it "group insurance" when you refer to a policy that covers a group, without individuals having to qualify.

[daihashi]

Well, this might have been a quibble on my part. And I'm certainly in no position to argue, because I don't have a license, and I do not work in insurance. But I think the point you were making to Bigweed is that employers offer coverage to groups of employees, without indvidual employees having to qualify --- individuals are not denied based on pre-existing conditions, which is what he was worried about. I think the kind of insurance in which a group is covered without inidividuals having to qualify is called "group insurance."

Maybe "blanket" is used in health insurance as well, but I don't think the term refers to the idea that individuls don't have to qualify. I think it has more to do with insuring classes of things at multiple locations --- I don't know how that would apply to health insurance, but maybe it would refer to a policy that covers a class of employees in multiple factories? I've only ever heard it used in reference to property/casualty coverage, so I do not know what it means in relation to health insurance.

Anyway, I think the term "group insurance" ALWAYS refers to insuring a group, without individuals having to qualify. While "blanket" might refer to that kind of thing as well, but it might also have a lot of different meanings that do not mean individuals do not have to qualify.

Whatever. Like I said, I don't work in this field. But I think you are always safe calling it "group insurance" when you refer to a policy that covers a group, without individuals having to qualify.

sigh... no.. there is group insurance and within the group insurance you can have a blanket policy.

Many corporations will pay a premium to have this blanket coverage included, but don't take my word for it. Granted I only sold the crap, and quit because of a moral dilema I felt at times... but feel free to inquire. :hippy:

Group and Blanket are indeed two seperate terms meaning two seperate things, but you can have policies that utilize both.

[BigWeed]

The problem Im having with Insurance is the companys. I think they take advantage of the hard working people of America. When I got hurt the trucking company of the guy that hit me they payed for all my medical care and gave me a really nice settlement. How is it that my Insurance thourgh my job tripled and my boss couldnt afford it and then I had to take it over so I could stay covered. The cost went down when I took it over but not very much and when I had to have my last operation on may shoulder at the end of last year they tried to raise it and they werent the ones paying for it I was still covered by the trucking company. The only thing they keep telling me is that I have a pre condition and I might have more mental problems in the future. Hell how do they know that Ill have problems in the future are they fortune tellers now. I think they need to be regulated and they need to get a clue. Oh yeah the pre condition is that I've had a lot of broken bones If I remember correcttly bones heal and they dont break by themselves.:rasta::rastasmoke:imp: