 Florida insurance crisis? |
what happens if no one is willing to offer flood insurance in florida anymore?
Additional Details
we already have a state run insurance of last resort, which is soon to be the biggest. ... |
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 How can I find out someones insurance info if I need to file a claim agains them? |
| My neighbors dog attacked me while I was in their house with them. They are not exactly being cooperative with us. How can I obtain their insurance info, if they aren't willing to give it to ... |
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 My brother has no health insurance...How can my family help him? |
| My brother was laid off from his job some years ago and now he is currently applying for disability. He is sick and I would like to know if one of us can add him to our insurance plan or will we have ... |
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 What are some basic insurances that I should take? |
| Im 20 years old, undergraduate. Im thinking of buying some insurance but I dont know which plan should I take. I dont have girlfriend and not planning on getting married until the age of 30++ but its ... |
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 Explain to me how insurance works? |
I'm a student currently and there is 'health insurance for students' being offered at my school through United Health Care. I've been debating whether I need insurance or not.
... |
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 What type of insurance plan should I get? |
| I want to purchase an individual health insurance policy and need help with all the options! I'm planning on getting surgery on my foot as soon as I am insured. Other than that I am normally ... |
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 If a step-parent dies and you are told by your living parent the insur. policy only had the 2 of u listed.? |
| are u intitled to a porton of the money left? My stepfather died and my mom said the policy had myself and her listed on it as beneficiaries. She has gotten monetary settlement, however i have not ... |
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 Auto Insurance Terms - Help Me Understand? |
Can you explain these terms?
Comprehensive
Collision
Property Damage Liability
Bodily Injury Liability
Medical Payments
Uninsured Morotists
Bodily I... |
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 Will DirectLine charge me for cancelling my policy on my first day? |
Hello.
I signed up for car insurence with direct line yesterday. First day of policy is today and I just found better deal with admiral. Will DirectLine charge me for cancelling my policy? B... |
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 Why would the people of America agree to pay insurance and then insurance not pay? |
It is unethical to pay homeowners insurance and they not be required to pay.
It is unethical to pay health insurance and then they not be required to pay.
These are laws written by our ... |
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 My hospital bill is more than $10,000. Both my medical and car insurance don't want to pay. What can I do? |
| I had a car accident and totaled both my car and the person's car that I hit. I was lucky that my car insurance gave me a check for $26,000 for my car. But now Im stuck with this huge $10,000 ... |
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 Can I get My canceled Auto Insurance policy reinstated at the same rates i had before i got cancel? |
| I just recently switched my Insurance company from Farm Bureau to Geico cause Geico was alot Cheaper whoever with Farm bureau I only paid every six months and have done that for like 5 years and G... |
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 Putting babies on husband's insurance? |
My husband and I are expecting twins in late August (that probably equates to mid-August since twins don't usually go the whole 40 weeks).
Anyway, the open enrollment period for his ... |
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SarahG | Looking to purchase health insurance, but confused when it says 20% after deductible? |
For example, If the deductible was $2,000 and I pay that when my coverage begins. So if I was planning to see a doctor and my coverage was 20% coinsurance after deductible, what does it mean? If you could give an easy example, it would be very helpful, thank you! |
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carolathome2099
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Until you pay in the whole amount of the deductible, you will be responsible for 100% of the doctor's discounted charges. (Usually when they are a member of the HMO or PPO, they charge less than non-insured patients.) So, until you pay out of your pocket $2000, then the insurance company won't pay anything. After there's $2000 out of your pocket, then the insurance company will pay 80% of the discounted charges and you will have to pay 20%.
Look at an estimated year's worth of your expenses. On this plan, add up your monthly premium, $2000, and an estimate of your doctor and hospital charges and take 20% of that. Divide by 12 to see what the real monthly cost is. The lower deductible may be a better coverage as long as the monthly premium is not so high it means your annual expenses are higher. Add it up and compare side by side. |
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Katherine K
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Hi there,
Everyone's answers are correct. The one thing I would add to the answers is this. When is says 20%, they're talking about going to a provider who is contracted with your Health Insurance plan. If you're going to a doctor who doesn't take your health insurance plan, you're going to pay a much higher percentage of the billed amount, and you're not going to get as much credit towards to your deductible for those services.
Just check and make sure that you KNOW whether or not you're going to a contracted provider or not.
KNOWLEDGE is the best way to go. Good luck.
Kathy K
www.premiumwatchdog.com |
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sarah314
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It means that you pay the first $2,000 (the deductible part). And then you pay 20% of the allowed amount for services after that.
Check to see if there is something called an "out of pocket maximum" or "coinsurance maximum" on the plan. That means there's a cap on that 20% after your deductible is met.
For example, if the plan had an "out of pocket maximum" of $1,000, it would mean that you would potentially be liable for $3,000 in covered services. (The $2,000 deductible + the 20% of services up to a maximum of $1,000. Non-covered services, of course, would be your full responsibility.) |
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doane_nut
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It sounds like you have to pay all your medical bills until the total reaches $2000. After that you have to pay 20% of any bill and the insurance pays the rest. Sounds like poor coverage to me. |
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BRENDA T
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Under your circumstance,I suggest here for you to have a visit.http://health-insurance.expert-tip.info/health-insurance-for-free.htm |
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Vipin K
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the health insurance provide 20% after deductible means your premium will be decrease every year |
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