 Is there any way I could change my insurance policy from being full cover to PIP only if I have a car loan? |
| I bought a car a year ago with a loan and a full cover insurance on it. I would like to change it to only PIP ( Personal Protection Insurance ) for 6 months to save up some money and pay off credit ... |
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 Is it possible to get heath insurance in the US w/ a pre-existing condition I was born with? |
| I was born and raised in Ontario, Canada, and we get free heath care. But I'm moving to California for school in a little while, and I have a few questions about heath insurance. I was born w/ a ... |
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 How do I calculate the diminished value of my car after an accident? |
| My new car was recently in a very bad accident. The car is a Nissan Altima SL and has 7000 miles on it. I did some after- market upgrades to the car, (tinted windows, sound system, satellite radio).... |
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 Is my clinic responsible for paying the bill since they messed up? |
| I have health insurance and used it to get a physical, the clinic decided to not verify if the lab they were sending my blood samples was in-network with my insurance. Because of that my insurance co ... |
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 Is Global Life and Accident Insurance Company a legit company for life insurance? |
| is this a scam or are a legit business? Has anyone here ever dealt with them before? How are they at handling people's life insurance polices?... |
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 Term Life Insurance at age 21? |
| I am 21 and I was wondering if I should purchase a $1,000,000 term life insurance policy through USAA. I received a quote for $42.19 (and an additional $11.66 for waiver of disability) and the ... |
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 I co-own a house with my husband. Does he need to write in a will that the house goes to me if he passes on? |
Isn't it implied in the house title/ownership/mortgage papers?
Additional Details
I really really appreciate the kindness of sharing me your time in answering this!... |
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 Is selling life insurance a lucrative job? |
| I am tired of all the jobs I've ever had!!!! I don't have a career and have been asked if I'd like to sell life insurance. It's for a good, and well known company and it isn'... |
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 Is a mechanical failure covered by an auto insurance policy? |
| is the cost of repairs for a mechanical failure covered by an auto insurance policy? Example: engine or transmission? I have full coverage on my ... |
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 Settlement check made out to me and health insurance.? |
| Was in hospital for week from car accident and out of work longer. Person responsible had minimum coverages and doesnt even cover all of hospital stay or deductible. I work on commission and being ... |
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 Buying life insurance? |
| Im getting a blood test in a week, but like an idiot I've been smoking weed. Do insurance companies check your blood for drug use, or only on your health. IF they do what can i do to come out ... |
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 When u total a vehicle, does the insurance pay u what u owe on ur auto loan or just the vehicles value....>? |
| i have and auto loan on a car and just totaled it in an accident. i have full coverage so does the insurance company pay the loan off or just what the car is worth?... |
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wowawee | What are the problems that beset the health insurance industry? |
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Faye H
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Increasing cost of medical care, Fraudulent Claims, over utilization (running to the doctor every time you have a cold or hangnail).
To the person that stated health insurance are posting record profits, some are and some aren't. Insurance companies invest premium dollars. If their only source of income was premium, they would all lose money and you would not be able to afford the cost of insurance. If you pay a $300 premium and have a $50,000 claim, where do you think they get the money to pay that claim?
Insurance companies make more money on investments of premium dollars than they do on premiums so if you are upset about their profits, you should probably be praising the hell out of their money managers for making wise investments and not costing you even MORE in premiums.
God, I get sick of people that expect something for nothing. |
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Ann C
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i would love to answer your question but by the time i typed that much your question would be closed for answering |
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David W
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No one wants to pay... everyone wants all services on demand... profits... protecting doctors incomes... |
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bhargavi r
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false claims and high expectation of quick service. |
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Gem
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It cost them millions to lobby Congress so they can continue to screw over the average American.
Loss of customers may be becoming a larger problem. With all the lost jobs, the insurance goes with it. And most people cannot afford to purchase individual policies, I know I couldn't.
Other than that, life seems good for them. Most health insurance companies are posting record profits. |
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zippythejessi
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The biggest problem is abuse. Someone hit the nail on the head when they mentioned "running to the doctor with every cold or hangnail" - that is SO true. Someone once told one of the doctors I work with that since her "copay was only $5" she'd be running into the office for everything. Morally, a doctor can't turn away a sick patient, but there is no need to run in for every burp and fart. There's also patients who insist on every test under the sun - even when they don't need it. (You don't need an MRI to test for strep throat!) Don't even get me started about the idiot doctors who order and/or perform those tests! They're just as abusive as the hypochondriac patients!
The other problem is Medicaid fraud. I don't understand how someone who can afford to drive a brand-new Lincoln Navigator (average retail value $65,000) can qualify for Medicaid! I'm sure that if you can afford a $500 or so monthly car payment, you can just as easily spend that money instead on buying health insurance instead of getting a free ride on my back. |
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Custo
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Sick people... Most people do not take care of themselves. They aren't healthy; and unhealthy = expensive.
and, ignorant people. Most health care consumers don't take the time to learn how their insurance works. They make assumptions about how insurance functions, and their own entitlement to service.
and fraud. It can be near impossible to prove fraud at times. Participants file claims, and so do doctors, for services that should not, under any circumstance, be covered under health care insurance.Sometimes, they just make up services that never happened.... Its bad.
Overall, I think the high percentage of consumers who have an overwhelming sense of entitlement, coupled with their inability to make healthy choices at times, leaves the entire industry fighting a losing battle. I mean, sometimes it takes a village. People are angry if something they perceive to be a medical condition, (alopecia/baldness treatment, or obesity, or development delay,etc) is not covered. They're not willing to pay additional, or even understand how the system works, and why its not covered. Doctor's don't have the desire or man power to constantly practice medicine within a person's health coverage, and patients don't know enough about it to help them understand.
It all ends up boiling down to the consumer. Health insurance consumers should be more educated. Find out how their own plans work. Quit trying to make the doctor's and the insurance companies responsible for lack of knowledge. etc, etc, etc, |
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