 Will this be covered in my home contents insurance? |
I have recently taken up contents insurance through Direct line.
A few days ago, I was taking my washing from the machine, and realised I had left my MP3 Player in my pocket.
I ... |
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| Is there a way I can fight hospital bills? And will not paying my hospital bills affect my credit? |
| I have BlueCross Blueshield as a Health provider and i had a baby recently in a hospital that is in the network of my health provider but the doctor that performed anethsia on me and my newborns ... |
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 Can't find my Birth certificate? |
I need it to collect some money so how can I get a new one?
And does it cost anything?
And will it take long will it take to get it or is it a case of walking in and walking out with it?
... |
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 What's the reason for life insurance? Should a single person who is not married buy it? |
| What is the real reason for life insurance? if you are single should you buy it? What is it used for? Does it have a purpose in people's lives?Why do you have to pay for it each month for? Can ... |
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 Why you would be better off buying a 20 year term life insurance policy at age 25......? |
| Why you would be better off buying a 20 year term life insurance policy at age 25 rather that buying a one-year renewable policy?... |
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 Why do people who's unisured homes were damaged in the floods think they have the right to the same help as... |
those with insurance?
Isn't the whole point of home insurance to help you in incidents like these?
Additional Details
(I'm talking about the recent floods that hit ... |
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 A dumptruck kicked up a rock and cracked my windshield. Can they be held responsible to pay for the repair? |
| I have the license number, and day and time of where it happened. it's the second time in 3 months this has happened and I don't think it's fair I should have to keep paying for this.... |
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 Should I get private term life insurance? |
I'm 39 and have life insurance through my employer. I could probably obtain private life insurance for the same rate.
Is it wise to get non-employer term life insurance now (before ... |
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 If you think you have cancer but have not been diagnosed, is it possible to get life insurance without an exam |
| Call me stupid, but I would really like to have life insurance before I embark on the cancer journey - just in case things don't go my way. If I obtained one of the no exam, online policies ... |
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 What do you guys think about accident and cancer insurance? |
At $1104 a year, do you think it's worth to have accident and cancer insurance?
Insurance saying: Don't risk a lot for a little.
Additional Details
My husband and I have ... |
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 What insurance company has cheap rates for adding 16 yr old? |
I'm asking for my mom...
She got a quote from Nationwide & it was $190 every month. That is who she has now. Then Progressive quoted her $289/month.
Gosh, it is expensive!... |
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 HOW DO i RECEIVE MY PRIZE WITHOUT INSURANCE? i DON'T HAVE ALL THAT MONEY.? |
| Is there any other way to receive the prize that I won without any payments of shipping.If not then I didn't win. Becasuse I don't have the money to cover the issurance and shipping price.... |
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 Cashing in a my life insurance policy? |
| I have an insurance policy that has been paid in full that was bought for me by my grandparents when I was a kid. I was wondering what the pros and cons of cashing it out to pay off all of my debt ... |
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 My chronically ill child(15) has spent her 1 million lifetime health insurance maximum. what do we do now? |
| we make 100k a year.but even this is not enough for her medical expenses. Are there programs we can use if we make too much money but can't afford her medical care without insurance.... |
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Itrolla | Is there any point for a man in his early-mid twenties buying health insurance? |
It looks like another $200-$300 or more per month that will make it harder to survive financially. |
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dreamwrthy
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Accidents are one reason to be insured...the other has to do with getting insurance after you find out you need it. In other words, say you're not insured. You go to the clinic because you don't feel good. They find something seriously wrong with you, like cancer. You know to get treatment will be mega expensive....so you go to get insurance. You can then be denied coverage of any pre-existing condition that you did not previously have insurance for. It's called creditable coverage. They can say, "yes, we'll insure you, but we won't pay for your cancer treatments for six months because you weren't insured for cancer before."
I work in Employee Benefits....we help employers find the right insurance to offer their employees. We get asked about individual insurance quite a bit, too. If you don't go through an employer, try insurance.com to get started. Assurant/Fortis has decent plans, too. You claim to be healthy, but how do you know if you haven't gone to a doctor, which you're more likely to do if you don't have to pay full price. Definitely get insurance. Look for a higher deductible, but one that pays for office visits without having to meet that deductible first. Also, since you believe yourself to be healthy, the cheaper HMO plans would be better for you....HMO plans aren't generally as terrible as people think, IF you're healthy. The bad thing about HMOs is that they have what are referred to as gatekeepers...they are designed to tell you "no" to going to get your feet scraped and having acupuncture and the like. HMO means you have a pcp (primary care physician) and he refers you to other doctors if you need specialist, but, if you're healthy, you'll only need a pcp, and office visits are often free. |
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Amanda H
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ABSOLUTELY. You could get in a car wreck, get cancer, cut your finger, etc.
Also, if you do not have health insurance and get a disease and then get insurance, they can exclude the pre-existing condition....so basically you're screwed.
You might be able to find a health insurance with high deductibles and copays butlower monthly fees-- so it would come into play for emergencies but you probably wouldnt use it for mundane stuff. |
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monkey f
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Just some advise from a female that was in her 20's and took a job with out health insurance because I was young and healthy. At age 25 I started passing out and long story short had to have a pacemaker. Never an unhealthy moment in my life til that point. You never know what is around the corner and the money you spend now each month will save you the thousands of dollars you end up owning the rest of your life when something unexpected does happen. I am now well over $50,000 in debt all from medical bills. Live and learn. |
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nikhil_par
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Hey! That sounds realllly high for healthy male in tweens. Make sure you shop arround. Health insurance in USA is a must man. The health costs can rack up really quick if you ever get in trouble. Not worth the risk. |
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SwampDog
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What if a man in his early-mid twenties has a major accident and breaks both of his legs. The hospital bill alone costs 8500.00. The wheelchair costs 5000.00 The 9 months of physical therapy is another 12000.00
So, if this young man has 25k laying around, then no, he doesn't need insurance. But if he wants to be able to walk without limping the rest of his life, or if he wants to own a house or go to college at some point in his life, then there might be a "point" in buying insurance. |
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c_steve_hawn
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Yes! If you have a serious problem come up it could put you in a severe financial hardship. If you choose not to though you should put the money in a savings account and draw interest and at least get a reward for your gamble. I know that it sounds foolish to someone who is young to carry insurance but you are taking a gamble because you never know when you may be involved in an accident and the people besides yourself, if this is the case, may not have insurance to cover you. It seems when we are young we feel bullet proof but this is not the case. Take it from someone who has had to learn several things the hard way. |
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TAMARA
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I'm a college student in my early twenties & I understand the financial burden of the cost. If your in good health, you should consider a discount medical membership like Cinergy Health. It's only a few bucks per month (between $7 - $15 depending on which membership). They provide you with the member's card & a list of the physicians, denists, and optomatrists (sp?) in your area that offer discounts to their members. Depending on what services you need, the discount fluxuates between 3% to 75%, but it's always better than paying full price. You can also get a copy of the exact discounts offered with each business for each different service. The company will also make all the appointments for you. So, instead of you calling the doc's office, you call Cinergy & they take all of your info. & set up the appointment.
I had an emergency two months ago & had to go to the Emergency room. I don't have any insurance & didn't have this membership either. My hostpital bills are outrageous. So, I checked into this afterward. I could have saved a few hundred dollars w/ this membership, even at the ER. But, that's why they say hind sight is 20/20.
Look up their website & it will give you alot more details. You can even type in your zip code & get a list of the doc's & hospitals in your area within a 5 or 10 mile radius that offer these discounts. |
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desy d
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yes becaus eyou never know when anything might happen to you and you should alwys be prepared. |
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Chazerai
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Sounds high.
Look for a larger deductable, a catastrophe type insurance.
If you get real sick, no insurance will wipe you out. |
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timberleigh
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That sounds very high for a single person. You should look into that.
In Canada (bc) govt "health insurance" for the average adult depending on their income is only like maybe $50 a month.
It would be a good idea even if you are very healthy. You never know what could happen. If there is a medical history in your family of diabetes, cancer whatever it would be a very good idea. There is always the scare of a car accident or something... it could be anything.
It is just a good idea.
But shop around for different companies or plans and find one that suits you best before jumping on the first one. |
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~Lacey~
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Yes, because you're getting older and you're more likely to need a hospital visit, and that will cost more then $200-300 a mo. I would try shopping around for a cheaper price. |
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LesElle
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Health insurance is imperative unless you want to end up in the county hospital should you become ill or have an accident. A one week hospital stay could cost $20,000 or more. Yes, you need to buy health insurance, if it is financially feasible. My suggestion would be to buy a policy through Blue Cross/Blue Shield that has a $2,500 deductible or higher. It would be for a catastrophic loss only, so you would have to pay Urgent Care visits and that sort of thing yourself. But, it could be a lot less than $300 a month. Again, it would be there for a major illness or accident. |
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Nina
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Yes it is very important to have insurance. You may be healthy now but if you end up getting sick you will pay the price. Also, if you end up coming down with some illness it will be considered a pre-existing condition and you will not be able to get insurance. You can not wait until you get sick to get insurance. Just get the cheapest plan out there just so you have it. There are individual plans that can be bought for about $170 to $200 a month. Trust me its worth it. Or get a job that offers health insurance because they usually pay a portion of it. |
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mbrcatz
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well, yes. Because major medical issues that crop up, without health insurance being in place, is a major reason for bankruptcy and cause for living in poverty for the rest of your life. |
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You're not perfect either
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It's definantly worth it. Best though if you can find a job where your employer will offer it for cheap. |
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