 Help! write a cancel letter to insurance company help!? |
| How to write a letter to progressive to cancel my insurance. They said that they need a written letter.... how can I write it .... help please!... |
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 Are you now convinced of sept 11 being an inside job? |
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 Is it possible to pause a car insurance but resume it again? |
| I want to know that if I buy car insurance, will I be able to stop the insurance so that I don't have to pay, just temporarily as I might sell my current car and until I get a new car I don'... |
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 Where can I get cheap health insurance? |
| where can I get cheap health insurance. I just move out of my parents house and I think I should get it. I'm kinda behind in alot of things because I've been pretty much taken care of most ... |
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 If you give a recorded statement to an insurance adjuster do they have to give you a copy? |
| The insurance ajuster of the person that re-ended me recorded my statement and I want a copy. do they have to give me one?... |
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 Life Insurance? |
| I got married this year. I am 33 Female. I have Rheumatoid Arthrits. My husband is 43 and a smoker. I need help determining the type of Life Insurance to purchase? Can you please help!!... |
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 How do Life Insurance companies make money? |
| Someone I know has a whole life insurance policy with Metlife with a face value of $50,000. The annual payment is $290. How does Metlife earn money when they pay out much more than they get in?... |
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 Car Insurance? |
Is it possible for two brothers to be under the "Named (or Names) Insured" list on a car insurance statement or any paper relating to car insurance. Can two brothers be insured together?
... |
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| If a Golf Club provides accident insurance for its members do they have the right to refuse to provide details to the members or are they obliged to provide full details to each member?... |
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 Doctor's office fraudulently misrepresented themselves as "in-network" What can I do? |
I had surgery 7 months ago. I have a PPO insurance plan that covers surgical expenses and anesthesia at 100%, in-network.
Looking for a provider to perform my procedure, I made sure to ... |
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 My boss did not pay premium for my health insurance now I have a $44000 bill in collection what can I do? |
| My boss was paying for my health insurance I was pregnant, my boss wanted me to get an abortion, I did not. She did not pay my premium and my insurance got cancelled. Now I owe $44000 which is in ... |
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 Do insurance companies have to have liquid assets for EVERY dollar they insure? |
| Like how casinos have to have cash on hand for every chip in play on there floor...even though 100% of customers would never cash out at the same time, nor would every insured driver get in an ... |
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| How can i get someone to pay me for my medical bill they caused? |
| Guy sent me to the hospital and i have no insurance. He initially said he would pay for it but now says he wont. Is there anyway I can threaten him or get him to pay up?... |
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 I bought Whole life insurance in 1990, has not done well. How can I get better return on this? Cash / reinvest |
| return rate is really bad. Was suppoese to pay for itself after 7 yeras. has not done that. Now has negative premium, keep on reducing total insured amount with age.... |
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sugar | Should I consider getting health insurance?? |
I am 22 and have no health insurance. I am a pretty healthy person and don't have to see the doctor often. I just think it's a waist of money to get health insurance unless it's for accidents or something like that because in order to get an affordable monthly premium then your deductible is going to be high. I may never reach the deductible, but still have to pay the premium. So should I just pay out of pocket when I do need to go to the doctor and just consider getting a high deductible plan or should I just go ahead and pay a higher monthly premium for a lower deductible. (Remember I don't have to see the doctor very often, I'm relatively healthy) |
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Diane A
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This is a tricky question because you are right, at your age, you should not need insurance for many age-related illnesses, but on the other hand, a traffic accident or a serious illness could bankrupt you with out insurance. It is a statistical "crap shoot" so to speak. You have several options. One is to get a plan that is essentially for catastrophic illness/trauma with a (very) low monthly premium and a high deductable. Another is to look at a HMO such as Kaiser and get a very basic plan, which at your age, should be very inexpensive and covers many basic services. Another option is through work--getting a job that affords health insurance, or if you are a student, student insurance plans are very affordable as the companies assume you are healthy.
At your age , getting a low deductible probably does not make sense. You need more coverage aimed at trauma, or severe illness (such as cancer).
But be sure and update your insurance as time progresses! |
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james m
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Answer your own question by asking yourself, "Will I EVER get sick, injured or die"?
If you can say "no" to that question, you don't need health or life insurance.
Only sick or injured people need health insurance, and only dying people need life insurance. But it's impossible to get the coverage once these occur.
That would be like trying to buy a fire policy on a house, with a fire already started.
Insurance, whether it be medical, life, auto, home, is to protect you from the unknown and unexpected. Now if you think the possibility of you getting sick, injured or death exists, but don't know when it will occur, you need life and health insurance.
See your local professional agent for details. |
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bud68
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At the least, get a high deductible plan. One serious injury or illness (and being 22 and "healthly" doesn't immunize you) and you could be financially wiped out. |
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Ricky Bobby
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If you don't have a job that provides health benefits, it's unlikely you can afford a comprehensive health plan.
The BIGGEST RISK of not having any insurance is that you have a major illness or injury that will make you unable to work for an extended time and leave you crippled with medical debt.
I think it would be wise to get at least get coverage for major expenses, even if it has higher co-pays and deductibles. Doctor visits and prescriptions are not your key concern, so getting a policy that doesn't cover them will save you money but still protect you from major bills.
If you can swing the higher deductible I'd say go for it definately. |
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kate
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You are approaching an age when most people have full time employment ,
And most of the better employers have a benefits package that includes medical .
What about those prospective employers ?
( depending on what state you are in , packages can be like $800 a month )
> |
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Cautious
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Health is the most important thing you have. Pay a higher monthly premium and do not look at it as a waste of money. It is a precaution, it's just something you do in 2008. There is a difference between someone who is insured and someone who is not when it comes to decisions made at the hospital (unfortunately not everyone gets taken care of equally). Protect yourself the best way you can and you will be able to sleep at night. |
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mbrcatz
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Please, take a look at this board, just browse through all the people who didn't get health insurance, and then something goes wrong, and now they CAN'T get it, or they have huge bills for that appendectomy or broken ankle, and can't figure out how to pay it.
Uninsured medical costs are the #1 reason for filing bankruptcy in the USA.
Insurance - including health insurance - is a financial tool. The time to buy it, is when you're healthy.
If something goes wrong in two years - You'll never have coverage, potentially for the rest of your life, and you won't be able to afford most treatments. By not having health insurance - even if it's a high deductible plan that isn't going to pay out for little stuff - you're taking a major risk of living in poverty for the rest of your life, which will be shortened, by not being able to afford, for example, chemotherapy, if you get cancer.
You have to balance out the less than $100 a month for a high deductible plan, vs, the monthly payments if you break an ankle & need surgery and physical therapy next week ($75,000).
I would NOT get a low deductible plan at your age. RUN THE NUMBERS. What you'll save with the high deductible plan, will be tremendous - especially if you can pair it with an HSA. |
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