 What health insurance is recommended for a single dad with 3 kids, with a budget but have decent coverage? |
| I am a single father of 3 kids and looking for health/dental/vision insurance for my family. We don't really go to the doctor as much but still want decent coverage in case I need to do so. Any ... |
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 I feel down a flight of stairs at work. Is this considered worker's comp? |
| I wasn't seriously injured. i have scrapes and bruises and had x-rays done, but nothing was broken. Is this a worker's comp case?... |
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 HELP ME!! URGENT!? =:( Please!!? |
| I've not had a car for a few days, and I've been driving my grandpas, well he found me a new car, and he's going to buy it for me (I'm going to pay him back) He's going out ... |
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 What happens if your tv license direct debit payment is cancelled? |
| Had trouble with my bank and had to open new account and cancel all my direct debits including tv license does this mean i will have to buy a whole new tv license?? (i am currently on the quartly ... |
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 Can you choose to pay solely with cash instead of using insurance at the doctor's? |
I'm 18 and I need to go the doctor without my parents knowing (without it showing up on the insurance or bill). I have plenty of money to pay but will doctor's agree to do this?
A... |
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 Can an insurance company use the fact that I had an HIV test as the basis for increasing my premiums? |
| I heard through the grapevine that someone from GB was in the U.S. and had a mandatory HIV test. My understanding is that subsequent to the test (and independent of the result - the test was ... |
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 Life insurance? |
my husband and i have been talking about trying for our second child in the next year and i have a question. we are only 21 and make about $60,000/yr.
im wondering about life insurance. i am a ... |
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 In the state of Ohio, how can I insure a house and property that is still deeded to my deceased grandmother? |
| We have a house and acreage that is still in my long deceased grandmother's name. There are 8 kids in our immediate family and nobody wants it solely in their name, as it would be unfair to the ... |
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 Why would people want to put their savings in life insurance? |
| And when they want to take it out, its not a withdrawal but a loan? What kind of insurance scheme is this?... |
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 Insurance claim? |
After I bought my flat in April 2006, I discovered that the left hand side upright of my bay sash windows is rotten.
When making the enquiries for some quotes to get the window repaired, I... |
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 What is better universal or term life insurance |
| could someone give me the pros & cons on both?... |
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 Will home owners insurance pay to replace windows? |
| My windows are really, REALLY old in my house and I heard that home owners insurance might pay for it. Is there something in particular that I need to say?... |
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 Just married and I need insurance for me and my wife? |
I just got married. Im 19 she is 18 and we need health insurance because she is prone to getting UTIs.
I have no idea what to do for heath insurance. I make about $1300 a month. I dont want to ... |
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 Stolen Insurance claim return??? |
| I had an instrument stolen from my church. They filed an insurance claim to cover the loss of the instrument. Three years later, the thief brought back the instrument to the church.. Who does the ... |
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 Who is financially responsible when landlord hired unlicenced plumber and ruined our belongings? |
| My management company hired the husband of an employee to look at a leaky air conditioner. As he was in the ceiling he burst a pipe, and since he did not shut off the water first it flooded upstairs ... |
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tinybubbles | Do I really need insurance? What are the problems I have to face if I don't have insurance? |
I'm 17 years old and about to get kicked out of my parents house and family. I'm interested in going to college, but I will have to work my butt off for it.
I know that I have to pay taxes, and I'm fine with that. However, as for insurance, I don't need medical or car insurance. I don't need medical because I don't really get THAT sick. Car insurance, because I don't have a car.
I will be completely independent from my family. But, I might end up moving in with my friend for a while.
I AM A GIRL. |
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Insurance Made Easy.biz
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Another thing you should know is since you still a minor your parents are responsible for your medical care and bills. In fact you can't even get health insurance unless they sign the application. Once you turn 18 you can then apply for your own coverage.
Since you don't have any assets I would recommend a limited benefit health policy. This will cost you less per month and would cover everything but would limit your benefits to 100K per year, anything more than that and you would be so broke you would probably qualify for state aid anyway.
A Limited benefit health plan with a $3,000 deductible would run as low as $65 per month depending on where you live.
If you get a lower deductible the premium would be higher. |
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H&L72
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Insurance is for what may (or can) happen, not for what will. The point of having insurance is to protect yourself. And does not matter if you are a boy ar a girl. |
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bluegoat114
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You probably cannot afford insurance unless you find a job that offers medical insurance. If for any reason you get ill, or in an accident and need to be hospitalized you will owe a fortune. If you get sick without insurance you will have to pay cash to see a doctor. Right now people are not going to doctor's when ill, as they have no insurance. We are seeing an increase in death rates, disease rates. Try to find a job that offers health insurance. |
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Andrea S
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Insurance is absolutely necessary. there are lots of benefits taking out insurance especially at your young age, but doing that your monthly premium would be considerably lower, as opposed to taking out insuance later in life when you get older, as the premium figure depend on your age. You can always increase the sum assured as you get older and as your financial portfolio increases.
It is wise not to take out car insurance if you don't have a car for obvious reasons, however, health insurance is a must. You cannot count on not getting ill, you should always cater for the uneventful. The premiums also depend on your age, you would be wise to take out the insurance early in life. An added benefit of medical insurance also, is that your relatives could also claim for a one time illness.
I have a critical illness medical benefit which I took out and ever so often my insurance company increases benefits to me at no extra cost to my premiums, and recently they included benefits extended to my family,including flight insurance for overseas medical treatment and assistance with setting up appointment etc. |
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Karen N
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I agree with everyone's response about you having to get insurance. The benefit in your getting it now is that because you are young and don't have any preexisting conditions you will be a good risk so your premiums won't be too bad.
The problem is that you won't realize how bad you need health insurance until the first time you have to go to the doctor or the hospital and can't because you don't have the money. It is amazing how expensive x-rays, prescriptions, lab work etc. is and without insurance the facility doesn't have to "write-off" the markup cost.
If you are going to school, check with the university. Many universities off health insurance to their students. |
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mbrcatz
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OK, Girl, I hope you're abstinant, because if you get pregnant, you can't buy insurance to cover the prenatal and delivery.
And, if something DOES go wrong, like you develop diabetes or something, well, you're not going to be able to buy health insurance then, either. See, the time to buy health insurance is when you're HEALTHY. After you get sick, or diagnosed with something, no one will sell you health insurance any more - it's kinda like trying to buy car insurance after the accident - too late.
You only really need insurance, if you need to make a claim. Obviously, no one can predict if you'll need to make a claim, until it's too late to buy it. |
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devistatinglywonderful
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Yes, you have to get insurance. It protects you. You might not be sick now, but you could get hit by a bus tomorrow, and every penny you have will go to saving your life. You are going to work hard to get things for yourself, without insurance all you work for can be taken away from you in one instance. I know, its a lot of money and doesn't make much sense, until you need it and it's not there. I'm a girl too, and my abusive ex cancelled our fire insurance and my home burned down. I owe ninety thousand dollars plus because it wasn't there. Don't learn the hard way, protect your self, you are your investment. |
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Phil
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Obviously you don't need car insurance. But you do need health insurance. As stated, you don't want to get in an accident and end up without coverage.
You can look for a job that provides coverage. You can also look for a student policy at college. If you don't get coverage, you are making a gamble, and one that could effect your life for quite some time.
Welcome to adulthood. It sucks to have to pay bills.... |
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Good♥Gyrl
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You may be surprised at the low cost of insurance based upon your age and state of health. You can get quotes online from various companies. Just google health insurance quotes.
As for the statement, "I don't really get THAT sick," most people who have had their lives drastically changed due to medical bills or sickness didn't ever expect it to come on. So keep in mind that it's more about catastrophic coverage for you, and less about random doctor visits for the flu.
If you're going into college, a lot of colleges have student health insurance, so be sure to check with your college's student services, or admissions to find out more information about the requirements, and the premiums you would have to pay. |
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