 House caught on fire, my ex is the main insured. how can i proceed? |
| i'm insured with safeco. the house caught on fire in march. apparently some changes were never made to the policy, including removing my ex from the policy. he no longer has an ownership ... |
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 What does a medical exam for life insurance entail? |
I'm not sure why I have to get a checkup. I'm 26 years old and healthy. What exactly will they test for and what am I going to be required to do?
Additional Details
Will they ... |
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 More insurance confusion - dividends? |
| Dividends can be used to purchase paid-up additions. "The dividend is taken by the company and used to purchase permanent insurance of the same type. The insurance is in effect a small single ... |
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 Drivng instructor....? |
| Im just finding out more about becoming a driving instructor. If they say you're self-employed does that mean that you're not going to get a payslip from them,they will transfer the money ... |
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 Homeowners Insurance for Coastal South Carolina? |
| I am looking to buy a home in Summerville & just got a quote for homeowners insurance and was shocked........ A sale price of $220k and they want $2,700 a year for just home coverage, no autos. M... |
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 Medical Information Bureau (MIB) Report - Should I get the report first & then apply for health insurance? |
| I am applying for private health insurance, am 25 years old and live in Illinois. Should I get my MIB report first before applying?... |
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 How can I get the Maximum Unemployment payout? |
| New York State pays $405 as their maximum amount on their weekly unemployment check...how does someone qualify for the maximum?... |
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 Does homeowners insurance cover roots intruding in sewer lines? |
| The sewer is overflowing onto my neighbor's yard where we have a sewer easement (they are downhill). It is our sewer line, but their trees causing the obstructions.... |
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 Insurance and hospital bills? |
| I am pregnant and the doctors office nurse said I only owe 10% of the actually cost. But when they billed me the whole amount on the bill. My insurance is supposed to cover the remaining costs. Also I... |
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 HELP-Home insurance content claim? After the Fire &things learned about ins. claim process ? |
This is a home Insurance content question for a home burned in the santa barbara fire. Insurance is actual cash value, meaning they will deduct for depreciation.
1st. is there somewhere i ... |
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 How many people feel they are being over charged for home insurance? |
Additional Details
src 50---My insurance went up 200 dollars.They said my house replacement would cost 325,000 to replace.They are lieing.They refuse to lower the rate on my simple 1500 ... |
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 Does insurance compaines cover the person or the car at fault? |
| The girl that parks right next to me in my apartment swiped the side of my car. she is now claiming her friends park her car sometimes, but she knows she didn't hit my car. Personally her car is ... |
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 When changing insurance companies how can i be sure they will honor my pre-existing conditions ? |
| am going to quit my job and going to use cobra for two months to stay in the 62 day period, yet how can i be sure my new insurance company will honor my pre-existing conditions when my new coverage ... |
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 Is beneficiary information included on renewal paperwork they send to owner of policy? |
| Need annual insurance information on ex to make sure he is continuing life insurance with me listed as beneficiary (for minor child). He insists that they don't send him that info so he can'... |
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| Quit my job, insurance question? |
| and I'm getting my teeth fixed before I go. I'm going to dental school for assisting in the fall, but as of now, I have to move to find a job closer to school which means losing my dental ... |
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 They're selling the farm =:.(? |
| I have been keeping a lot of cows on this farm. they said if i worked for tem i could keep them there. Today they told me theyre selling it and i have to get all my cows out of there! =:.( i have ... |
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 Can I purchase travel health insurance for NY to FL travel? |
| We are taking our 18 month old to Florida (from NY). Since our health insurance doesn't cover expenses across state lines I'm trying to find out if we can purchase travel insurance for ... |
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 How are life insurance policies paid out? To the policy holder or the trustee? |
| My parents have a life insurance policy in my father's name. They are both trustees. They are now divorced. Who receives the benefits of the policy as it has now matured? Any help would be ... |
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Somebody | What are some benefits comparing a PPO an an HMO? |
Open enrollment is coming up and my wife and i are trying to decide what to go with for health insurance-- a PPO or an HMO.
Does anyone have any positive or negative things to say about either one?
It is just the 2 of us with no kids.
Thanks in advance for any info. |
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rameezaali
|
I would suggest you go for HMO.
with my personal experience i find HMO the best.
iniitially i used to have PPO. but in that I had to pay the deductible & also the coverage was just 80%. I had to pay 20% of the cost.
so it was not total coverage.
then the company had to change its insurance & they provided Aetna HMO. & i wud say it was the best ever we had.
I got pregnant and it had good pregnancy benefits.
my pregnancy, delivery & after delivery all was taken care by HMO.
i didnt had to shell out a single penny. Tthe hosptital charges for my delivery showed around $11,000. but i didnt pay anything for that. everything was taken care by the insurance.
but now again my insurance has changed & i am paying a lot for it now.
so i wud recommend u go for HMO. it has a good coverage of doctors, specialists & hospitals.
so nothing to worry abt that. |
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T P
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with a PPO you have more choices; you can usually choose between a number of in network doctors/providers; PPO usually costs more, but it has been my experience that it is worth the difference; check with your Human Resources Department; they should be able to give you more detailed comparisons for your particular insurance |
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Juleette
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look at the cost per visit and perscription price then condier your option with in if its for a family or what |
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zippythejessi
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It depends: Do you travel a lot within the US? Do you see a number of specialists?
PPOs are better in that case because then you don't need a referral to see a doctor (either out of your area or just a specialist.) HMOs require referrals for everything.
On the flip side - HMOs generally don't have any out of pocket expenses aside from your copay... As long as you use a participating doctor and have referrals. PPOs sometimes have deductibles and co-insurance (which is a formula they use to determine your percentage of payment... Often 20% - but they calculate it from the contracted rate they've pre-negotiated with the provider. If you have a deductible & co-insurance, NEVER let them bill you up front - have them bill the insurance first, and the insurance will tell them what amount to charge you.) BUT, if you travel or if you see any specialists, they can beneficial - because you often have the ability to go out of network - you may pay a little more on the deductible and a higher percentage of co-insurance, but it might be worth it, especially if the network is limited in your area. (For example, I work in Rockland County, NY - there's a PPO plan of insurance based in NYC, and the further outside of the five boroughs you go, your choices are limited - much more north of me, you're hard-pressed to find a doctor who's in network, but they let you go out of network if you need to.) HMOs discourage that. |
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sarge927
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You usually get better coverage with a PPO, but remember that when you go PPO the number of doctors/specialists you can choose from is less than what you'll find with an HMO. PPO stands for "preferred provider organization," so only certain doctors who meet the criteria provide services for a PPO. But again, if your doctor is on the PPO list or you're willing to transfer to another doctor who is part of the PPO, you'll usually have less out-of-pocket expenses with a PPO. |
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