 If I were to die tomorrow, does will my life insurance policy pay off some forms of outstanding debt? |
Or will my beneficiaries get all of the insurance money?
Additional Details
I don't have any children of my own. I have left my life insurance to my mother and my sister. So does ... |
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 I'm on my parents insurance, can they see the procedures I have done? |
| Im 24 years old & about to have a proceedure to check for HPV, but know that telling my parents I've had sex is not a good idea at all. Due to my circumstances, I am still on their health ... |
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 Do you have to pay a down payment every time you renew your insurance pollicy? |
| I've only had insurance for a year now, when i first got it i paid a down payment of so much, but i thought that was just a one time thing. Now it's time for me to renew my policy and they ... |
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 Can I buy life insurance for my sister who has an illness? |
| My sister has a liver condition that she will eventially pass away from, but not for 15 or 20 years. I want to take out a small policy because she is very poor and will have no way to pay for a ... |
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 Screwed by American Family Insurance? |
How many of you out there have systematically had your insurance claims denied by AFI, for something you should have been covered for? Very curious to know about any patterns.
Additional D... |
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 Does it matter how long I have been insured to make a claim on contents insurance? |
Hi all, Ive been with my insurance company about 2 months and I need to make a claim, is this too soon, will they pay out or will it just be too much hassle?
Additional Details
Its my ... |
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 I need a database for estimating costs of personal property items (like clothing) for insurance claim.? |
| I don't want to look up each individual item on the Internet--it is too time consuming. What do insurance adjusters use to determine value? Or public adjusters? sweaters, shirts, skirts, vintage ... |
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 Can a provider balance bill me more than 180 days after insurance pays the claim? |
| One of our medical providers was paid promptly on their claim by our medical insurance company, but they waited six months to balance bill me, and they refuse to honor the provider discount that was ... |
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 Insurance after 19, Why am I no covered.? |
Im 19 and no going to school fulltime. I recently had some ortho work done but my insurance company declined so now im stuck paying full for the appointments.
Why do insurance companies ... |
|
 What does pregnant foreigner with no medical insurance do? |
| My sister-in-law is 7 months pregnant and was scheduled to return to her country of origin (Turkey) this week, however, she had emergency false labor and now she is not allowed to leave the country ... |
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 Hit and run covered up by the police. What do I do? |
| Last year I was in a hit and run accident. The driver of the other car rear ended me and left the scene. We had bills from the hospital, ambulance, vehicle repair, insurance deductible, c.a.t. scan, ... |
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Travis C | I need health ins for my family. HELP PLEASE???? |
I have gotten quotes but they are all roughly 1000 dollars a month. That seems a little crazy to me. Anybody have any suggestions. |
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mkulda
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For a typical family plan, that's about right. $1000 per month.
There are some lower cost options.
You could try a high deductible policy that would help cover you if something really bad were to happen, but besides premiums you'd have to pay the little costs of health care until you hit the deductible.
Or, you could try short term plans which are by law limited to six months. You might be able to string together two of those from different companies to get to a year.
But your best alternative is to try to hold out until you can get employed by a company that provides a subsidized or employer sponsored health plan where they pay most of the premiums. |
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President, www.HSAInside.com
 |
If you want a real health Insurance Strategy for your family, I would suggest a Health Savings Account (HSA). Since the beginning of time Health Insurance co's have been charging us in advance for services and very few of us actually make any claims. a HSA plan allows us to speculate on future claims and take back the excessive costs of health insurance premiums. I will give you an example of what a typical HSA can save a consumer, and why every Self employed person in America should have a HSA.
Example:
Typical PPO plan- $500 Ded. plan Family aged 43, 41, 11, 8, 6
Monthly Premium is $856.00 Annual Premium is $10,272.00
HSA Plan - $7000 Ded. plan Family aged 43, 41,11, 8, 6
Monthly Premium is $228.00 Annual Premium is $2736.00
Monthly Savings $628.00 Annual Savings is $7536.00
As you can see immediately by the example shown above Health Insurance co's are making "Billions" every year by charging you in advance for services that are never given. They operate on fear not fact, because the truth is that most people are not submitting claims that exceed deductibles. For a HSA to work long term, one should fully fund a HSA account, remember this money and the account belongs to you! Based on the example above I would recommend to fund a HSA at $470.83 per month or $5650.00 per year- whatever you have left over at the end of the year rolls over the next year, so mathematically you have the potential to save over $200,000. in twenty years! Tax Exempt, plus whatever you contribute lowers your gross income so you pay even less tax's. This is the most exciting plan to come around since I have been involved in Healthcare!
Learn more at www.HSAInside.com |
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talisman
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You can get a good health plan here: http://www.mybenefitsplus.com/LMota Check it out and see if it's what you're looking for. |
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Insure Man
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if you are in OH, MO or GA
we can help
http://www.ohioinsureplan.com |
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aokbrien
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Type in search box...einsurance or health insurance. You just have to hunt and peck. See if they have any special qualifiers. Like special rated for home based businesses or entrapanuers. If you sell on ebay, you may qualify. |
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sparkie
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If you are just currently laid off from work and couldn't afford to continue your Cobra premiums there ARE temporary policies available. I bought one for 3 months, it could be renewed ONE time for another 3 months. But I got lucky and found another job with good benefits. All I can tell you is just shop around, and look on the internet for sources as well. It's a shame that the insurance companies have us between a rock and a hard place. It's hard to afford, but who can afford NOT to have it when a simple hospital stay can run into thousands of dollars. I wish you luck in your search. |
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Bruce j
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Try www.HealthInsuranceAnywhere.us You fill out a short-form and 5 different local agents compete for your business. Maybe one of these agents will have a better deal. |
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