 I want to become an insurance agent, do I need do go back to college for that? |
| I've been told that all I need to do is take some classes but others tell me I need go back to college. I already have experience in the field I've worked for agents for almost 3 years. P... |
|
 What is the difference between renters insurance vs. homeowners insurance? |
| I've consulted my insurance company about insuring my personal property and said I need a renters insurance, but I own my home. I am confused. Isn't it what I need is a homeowners insurance?... |
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 Do you think it wise for people to take insurance advice from this website? |
| 90 % of the answers/advice i have seen are incorrect & some even lean towards fraudulent & encourage deception- seek professional advise from an insurance broker!... |
|
 I feel stupid even asking but...? |
...when travel insurers talk about "single trip insurance policy", what does that *actually* cover?
The reason I ask is that I am going abroad, but before I get to my final ... |
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 What kind of life insurance should my husband get? |
| We are looking to get a life insurance policy for my 25 year old husband. We have three young children so we're trying to figure out what would best provide for the family if God forbid ... |
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 What is the average settlement for a minor car accident? |
| I was rear ended and have minor whiplash. What should I ask for my P&S cost (above my medical bills)... |
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 If you have Medical Insurance and are treated in the emergency room, unconscious by a Dr. who is? |
....not part of your network, and get a huge bill a month later? What do I do?
Additional Details
The ins is BCBS-PPO and they did pay some already. I'm guessing the Dr is not a BCBS... |
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 Which is better, term or whole life insurance? |
| My husband seems to lean towards whole life because the premium is cheaper and cash value is built? I lean towards term because when I was working in private banking, that was what was recommended. $7... |
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 How long should I get a term life insurance policy for? |
| I'm researching term policies to cover the shortfall for life insurance from my work. How long is reasonable to get a term policy for? Term to 60, 75 or 100 years?... |
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 My insurance is void because I didn't declare claims history, But I did, Please help!? |
| I am more than sure that I declared my previous claims history. I have held insurance with them for 18 months. I recently tried to make a claim but it was declined and I was informed that my ... |
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 When people say "I dont have money to buy insurance?" how to solve this objection? |
| Sell people insurance will face a lot of objection.. How I gonna solve all the objection?... |
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 Next year I will not have health insurance, what to do? |
| I am on my fathers insurance and next year I will lose it. I can't afford health insurance as I am a full time student. Is there anything I can do besides dropping out of school?... |
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 Home Insurance? |
When i enquired about home insurance, i was asked if i had a criminal record.
Would they find out if i said i didn't have one?... |
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 Legal rights for life insurance? |
| My late husband beleived that I was the beneficiary of his life insurance. I REMEMBER early in our marriage that we both changed our beneficiaries to each other. He told others that I was the ... |
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 Why would they want my car insurance information if i was the pedestrian injured in an accident? |
I was crossing the street and was hit by a car. Why do they want my car insurance information?
Additional Details
Why would they want it? and what if my insurance expired?... |
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Dana J | Can you be seen in the emergency room without insurace? |
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koolbreeze
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Yes, unless there are any blind people present or you drink a magic potion that turns you invisible. |
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CONSERVATIVE
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you can sure be seen without insurance, thats no problem
but you will be charged laiter. |
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ssmesq
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Yes, that's why many uninsured people go to the emergency room for a sore throat, cold, etc as they can't afford to go to a regular doctor. |
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Richard B
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Yes. Emergency rooms have the responsibility to stabilize a person's condition before the next step in that person's care is decided. |
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dimples_in_nj
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You will find that you can go to the Emergency Room without insurance however; you will be met with resistance from the hospital clerks when you check in.
Regardless of popular belief, Hospitals are in the business of money. They will bill you and put you in collections if you don't pay.
The ER will see you since they are liable if they reject services to you. A recent case came up where an uninsured died in the ER waiting room. The hospital is now in a major legal issue over it. |
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x_siobhan_x
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Yes, the ER is required to treat you, regardless of ability to pay. Ask about the Health Care assurance Program (HCAP). It helps people with low incomes pay for their health care. |
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zippythejessi
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Okay. Here's the deal. ERs are required to provide care to make sure a patient is not in danger. If you go to the ER with a hangnail, they're going to patch you up and send you on your way. If you go because you have a limb hanging off, they're going to do whatever they have to do for you.
Rest assured - you WILL be billed later for the services. If you are employed in any way, you should make an effort to pay - at least some of it. Otherwise, it will screw your credit when they send you to collections. |
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Level 6 Troll
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Unfortunately the ER is where most of the uninsured go... perhaps it is because they are also uninformed.
The general pattern is that these people wait until their symptoms become severe because they feel like they can't afford to go to the doctor. The ER charges them hundreds or even thousands for what could have been an $80 visit to a doctor when their symptoms started. This further reinforces their belief that they can't afford health care. |
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Carl P
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In the Us if the Hospital is Non-profit or City, then they will see you and hope to resolve billing later at whatever you can handle.
If the Hospital is private (for profit) they can turn you away. They do not have to, but they can. (Many accept a certain amount of ((Charity)) work per year as write offs. ) |
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mbrcatz
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If it's a life threatening emergency, by law, the hospital is required to either treat you, or stabilize you and transfer you to another hospital.
Of course, you still are responsible for the bill.
If it's NOT a life threatening emergency, they do NOT have to treat you - they can refer you to a regular doctor, who can require payment before he treats you. |
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guest42
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if you make payments each month, no matter how small, a hospital cannot send it to collections. sending it to collections is merely a way to scare you into paying the entire bill at once. i was billed a large amount for an emergency room stay, and was only able to pay small payments sometimes. they hospital tried to send it to collections, but my lawyer said all you have to do is send a letter to collections saying you do not want to have any further contact from them via mail or phone, and they can no longer contact you. after sending the letter, i have continued to send the hospital payments, and i have not heard anything else from collections. |
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