 Having trouble with home insurance - i need help please!?!? |
i have emailed 4 people now about cancileing my account and no one has emailed me back i am now paying contents cover for a house that i do not live in any more this is rediculus.
i ... |
|
 Primerica? |
| have you ever heard of this company? what do you think about it??... |
|
 Is this settlement fee enough? |
| Was in an accident a little over 2 years ago...late 20's, first ever accident. Not sure if observed as other parties fault, but I'm sure it was (they ran stop sign in NY). Did pt for 3 ... |
|
 My mother is going to die in about 2 weeks and i never thought about the funeral , is it to late for insurance |
| I have been so stressed and worried with school my son and her all the financial issues totally slipped my mind! what do i do and is it too late for life insurance policies? she has cancer and not ... |
|
 Hello, looking for insurance? |
| I'm looking for individual inexpensive medical and med's coverage for myself, and older adult. State programs I was cut off from because my daughter turned 19, and I'm not old enought ... |
|
 Life insurance for Me,father of my kids and my two kids! Is it a good idea to buy for the kids? |
| My boyfriend and I are planning to get life insurance soon, but I'm wondering if it's a good idea for me to buy it for our kids (1 & 3). I'm still very young (23yrs) and starting ... |
|
 Insurance co. does not want to pay medical bills. Will i have to? Accident not my fault.? |
| chiropractic accepted 3 patients and claimed insurance co. would pay . Insurance co. is giving run arround. chiropractic is demanding pay. I dont think he cares who pay's as long as he gets ... |
|
 Individual Health Insurance / COBRA? |
| Why is COBRA considered better than individual health insurance plans? When I did some research,for almost the same kind of coverage but cheaper premiums, I could find individual health insurance ... |
|
 How much would motor insurance cost me? |
| Hi, im nearly 21 and a female. I cant actually ride a motor bike atm but want to learn as i am in love with bikes. However i dont know how much it would cost me to insure one. Obviously i would ... |
|
 Life Insurance -- Is a 78 year old woman too old to get life insurance? If not, who are the better providers? |
| I've made preliminary inquiries to get life insurance for a 78 year-old female, however, I get the standard response of "no" because of her age and the fact that she has been ... |
|
| Questions about health insurance as it relates to losing one's job and COBRA? |
| I recently lost my job. My employer of 9 years gave me a "take it or leave it" approach with a poor severance package. Essentially my termination letter states that my benefits expire N... |
|
 Which Life Insurance Should I Get? |
I'm 35 years old. Have two small children under 5 years old. Household income is around $200,000, and my mortgage is about $350,000.
Some tell me to get whole life, others tell me ... |
|
 Help this is ruining my life? |
| Ok so I had my gallbladder removed my insurance company decided to drop me when i was in the hospital during this surgery I had 2 surgeries because my stones had traveled to my liver and etc. now I�... |
|
 What happens if you continue to use your health insurance after being downsized from an employer? |
| My position ended with a company in Oct., they have yet to cancel my benefits, or offered to continue them under COBRA. I need a simple surgical procedure performed should I use?... |
|
 I got a quote for term life insurance for 20 years? |
...and it cost $5717.28 is that what I'm supposed to pay monthly or yearly or for the whole 20 years?
Additional Details
I have high blood pressure. but it's controlled since i&... |
|
 Can my mother be my domestic partner? |
My company allows me to insure a domestic partner. If I'm single and my mother lives with me, can she be considered a domestic partner? Can I put her on my insurance?
What about other ... |
|
 Would it save money to divide family members onto two different car insurance companies instead of just one? |
| We are trying to reduce our monthly car insurance payment. There are 4 adults on the family policy. My 2 kids live at two different addresses. One is 22 and the other is 24. We have a 2000 SUV, a 20... |
|
|  |
gg | Is anyone SICK about health insurance costs? |
I had great health insurance, but was fired from my job because I had a baby. My choices were: COBRA or another policy.
I plan on having another baby next year. There is NO insurance that will cover pregnancy, which was a $40,000 procedure the last time I gave birth. YES, they say they cover pregnancy, but there is a big BUT: They don't cover it within the first 2 years of your subscription.
I took the cobra. It is fantastic, and covers my pregnancy...BUT BUT BUT.....it costs $400 per month.
This is absolutely horrendous. It should be illegal to refuse to cover a woman's pregnancy, especially if she is paying for her insurance.
Of course, all these super-saver insurance deals have come up, but it doesn't save anything. There are $4,000 deductibles for families. How does that save money, when they already have to pay a monthly premium? My health insurance (for me alone...not my husband or daughter) is almost HALF my income.
Something is seriously wrong.
Additional Details
I have BCBS, and have been checking BCBS rates for non-cobra coverage, and the ones that DO cover pregnancy have a 2 year waiting period....no exceptions. |
 |
 
AileneWright
|
What's seriously wrong is this. There are too many people who are uninsured, on medicaid or sue if one of their family members died of a self-induced terminal illness. Insurance companies are there to make money, period. And we, the self-sufficient, law abiding working class are stuck with the bills and lawsuits. Not only do you and I have to pay exorbitant insurance premiums, but so too do the medical providers to protect themselves against malpractice claims. Yet, proposed legislation to limit the amount of money awarded by a jury in those cases was shot down. Insurance companies fought back by controlling their costs, dictating which doctors to use, not paying for pre-existing conditions, etc. Basically you play by their rules now or you don't play. And yes, you definitely pay to play.
The thing that never made sense to me is that most insurance companies won't pay for birth control at all. Clearly, it is more cost-effective for them to pay for pills than pregnancy and child birth. Also, I think that if they would foot the bill for annual preventative care including mammograms, prostate screening, glucose monitoring, cardiac tests, etc. they'd save themselves millions in the long run. Early detection not only saves lives, but the costly treatments could be avoided. I guess that makes too much sense. Yes, you are right. Something is seriously wrong. |
|
Brtny
|
Yep i no what your saying my son's insurance is $117 a WEEK and now its suppose to go up!! and thats just for my 3 month year old son not including me or his dad!! its way to expensive for me |
|
camandkellysmom
 |
DAANG what state are you in? In California, your prior health coverage applied toward your waiting period on your new health plan. So 2 years prior coverage would wave the 2 year waiting period.
Also, it should NOT be illegal to cover pregnancy, if it were, all the insurance companies would go out of business. By not covering it, they have a lower risk, and can keep premiums down. People have a tendancy to wait untill something happens before they get health insurance, and that is not what its inteded for, its like "Hey can I pay you 100$ a month, in exchange for you paying my 40K hospital bill that Im planning on having next year?"
Also, with a 4000$ deductible, you would be paying 4000$ less than your COBRA plan on the premiums (over a year or two). (Actuary's make sure that all plans are equal no matter what...so think MATH not heart)
When shopping for a plan, look only at the "out of pocket maximum" because with another baby you are sure to hit the max. If you only focus on the "oop" max then you will be a smart shopper, and not be tricked with co-payments like most people.
Also, check out your local "Blues" (Like Blue Cross/Blue Shield) and get an HSA with a low OOP max, if they have one with maternity, mathematically they kick ***. |
|
Scott
|
How about Nearly $ 750/month... Well I have High blood pressure and cholesterol issues...
Not so many years ago I would go to the Doctor in his Clinic and the visit would be like $ 15-20 Something. And He was still one of the richest men in town. Today I see the Bill and a little short visit might run $ 150 or my dad went to see his heart doctor for like 10 minutes $ 600
I don't blame the doctors its all the middle men. Insurance companies and all the extra staff the clinics and hospitals have to have just to see that he can get paid a decent wage...
Keep on doing... Merry Christmas to you and your family!!!! |
|
Vadalia
|
Typically health insurance companies are so strict about covering pregnancies because nowadays, that's an "elective procedure"
Health insurance is just that- insurance. In case something goes wrong. You said you're planning to have another baby next year- what you're looking for isn't insurance, it's a payment plan. Just wait the two years to have a kid and you won't have this problem. |
|
efrankbkkcam
 |
yes, they really abuse |
|
birdlady
 |
Yes I agree there is something is wrong.Not only do we pay high premiums but the deductible alone will break you.Then you get a "break on prescriptions",What a joke.I know drugs are expensive,but why?I take 9 pills a day and my pharmacy bill is ridiculous.I know,it would be worse without it.My doctor charges an arm and a leg every time I go.Then he wants to do tests,that's even more.I just don't understand why the U.S. can't do like Canada and have free health coverage for everyone,just higher taxes.Oh yes I do, then people would ***** about that. |
|
mbrcatz
|
yep, it's hard to get someone to sign on to paying a $40,000 bill for you.
Insurance companies have to make a profit, or they go out of business. They need to pay their employees, pay their stockholders, pay their rent, pay THEIR insurance bills . . . AND pay your claims.
So in order to keep EVERYONE from paying $1,000 a month for insurance, they limit the benefits to Unexpected costs. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 23 minutes(s) ago
| | | |
8 | 29 minutes(s) ago
| | | |
8 | 52 minutes(s) ago
| | | |
8 | 3 hour(s) ago
| | | |
8 | 4 hour(s) ago
| | | |
8 | 9 hour(s) ago
| | | |
7 | 1 day(s) ago
| | | |
8 | 3 day(s) ago
| | | |
8 | 4 day(s) ago
| | | |
8 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
