 Looking at changing auto/home insurance companies? |
| I've had Allstate for more than 5 years for home and auto. The rates have continually gone up. I just contacted Liberty Mutual. They can save me over $500 per year with the same or better ... |
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 Does anyone pay less than $40.00 a month for Renters Insurance? That seems high to me.? |
This covers minimum requirements.
Additional Details
Thank you for the valuable info. mbrcatz1. The whole policy is $390.00 a year. So I will definately check it out.... |
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 I am a fulltime student and I don't have insurance, im 22. Im not covered under parents insurance.? |
| Im going to be attending medical school full-time and i have no money to pay for health insurance. I am no longer covered under my parent's insurance and I am in need of healthcare. Can i apply ... |
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 Health insurance for college students? |
| I'm a full time college student, and there are no state programs out there to help me. I had to move back into my parents house (I know I know) and my medi-cal got cut, and I'm 20 so I can&#... |
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 Is $700 to add spouse to group health plan normal? |
| The cost of adding my spouse to my company's small group health plan is upwards of $700 per month. Reading up online, it appears that in CA rates vary upon the health status of the group, so ... |
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 Can you get ternimate if you are self employed? |
| Can you get ternimate if you are self employed ?... |
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 Renters insurance, flooded basement water damage from broken wash machine pipe how to file a claim?? |
| Hello! I have State farm ins. My pipe going to my washer broke-- flooded my basement. I have never filed an insurance claim before. Any tips would appricated. No structural damage was done--all ... |
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 What is the most profitable line of insurance to sell? |
| I am going for my life and health in MD but I hear a property and casualty license is good also. Any takers?... |
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 Does anybody know what business jobs out there if you speak Chinese? |
| Hi, I can speak Chinese because I am a Chinese(lol), and I want to use this great advantage on my career(that's my dad told me), and also my major is global business(that should go very well ... |
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 Car fender bender -insurance low balling payment, how to get more money from the insurance company? |
| Had a fender bender accident and the other driver was charged, the insurance adjuster said the damage is $1500.00 and gave check (not yet cashed). Took car to repair shop (from the insurance approved ... |
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 No insurance? |
| I dislocated my elbow last night and was in the ER all night. I have no insurance and not a lot of money. I qualified for charity assistance but now i need to go to the orthopedic doctor they ... |
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Christrose2 | Can someone explain health insurance to me? |
I would like to purchase health insurance for my husband and I; however, we would like to pay around $150 or less a month as our premium. We want to know a good health insurance company that will not gip us if we need a simple doctor's visit, etc. Can someone help us find good health insurance at a reasonable price for our budget? |
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Zarnev
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A local agent that works with all the major companies in your area can help you find the best plan for your situation and budget. The agent can explain what you get and, more importantly, what you don't get with all the available plans. There is no extra charge using an agent.
Be aware that with health insurance you get what you pay for. If you select a basic budget plan to save premium you may not get the benefits you desire. |
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Uh huh, go on I'm listening
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ehealthinsurance.com
they give instant quotes through many providers in your area. |
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JennyH
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You can go online, or call different insurances and get prices. What you want to look for though....and it may be a little bit more expensive...you want to stay away from plans with higher deductibles. You will have to pay more until you meet the required amount, and especially for hospital visits, if your deductible is like say...10,000 dollars...you can be paying over a thousand for that...or any tests, you may be stuck paying a portion. You figure that you may pay more a month....but it all adds up to one hospital visit, if you don't choose wisely. HMO insurance...if you have an OB doctor, or any type of specialist...your family doctor choses who you see. |
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Annie I
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You should start with reputable insurance company -- however there is no guarantee that they will not go out of business. Look at IndyMac :)
In purchasing an insurance policy it is true that you get what you pay for. Talk with an agent (not a shady one) and consider these three things to help you buy a policy:
1. Cost - how much can you afford. $150 will not take you very far for two adult.
2. Expenses - how much are you will to pay when you seek services. When you seek services you will have to pay for any or all of these: office co-pay, deductible and co-insurance.
-Office co-pay is either a flat-dollar (HMO plans) or a percentage (PPO plans) you pay when seeing a doctor.
-Deductible is the amount you pay before the insurance company pays anything (think auto-insurance deductible). Unlike auto insurance deductible where you pay per incident, health insurance deductible is paid in aggregate per year. The higher the deductible, the lower the monthly premium. I would recommend a deductible around $1000. A good insurance agent should explain this to you.
- Co-insurance: Usually with a PPO plan you'll pay for the deductible then you share the bill with the insurance company. It can be 30/70, 20/80, 10/90...where you pay the smaller percentage. The more the insurance company pays, the higher your monthly premium. Find the sweet spot where you can manage the monthly premium and still able to afford the expenses when you seek health care services.
3. The last and is the most important factor in finding a health policy is your NEEDS. Why do you need health insurance? Ask yourself do you have an illness, a health condition, need to see the doctor often, need to access hospital....??? Most people will say "I need insurance in case something happen". That's a good start. Review your past 5 years medical history and see how often you went to the doctor...When you know why you need health care insurance it will be easier to pick a plan.
Once you have a clue to the three things above, you can find an insurance plan that fits what you need. A good insurance policy is one that serves your needs and it doesn't have to be expensive. Again, a good agent will help you navigate through this process. |
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ALFimzadi
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Do your employers not offer a health insurance benefit package? Many times this is the cheapest way to go, as they are getting a group discount... |
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