 How does the insurer make profit on a whole life insurance plan? ? |
| The insurer sells you a whole life policy in which your earning cash value and interest. What are some ways that the isurer is making profit if the cash value and interest is your to use at any time?... |
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 My car got broken into and several items were taken. They're covered by homeowners ins. but I have no receipts |
| The Gps was taken, my cell phone, an mp3 and a bunch of cds. Will I need receipts for all of these things to get reimbursed by my homeowner's policy?... |
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 Minor accident, is settlement fair? |
| I live in NC. I was rear ended on an interstate off ramp by a tractor trailer. I had been forced to come to a complete stop because the 5-6 cars ahead of me had stopped. The tractor trailer was going ... |
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 How does health insurance work? |
| Can someone please explain to me how health insurance works. I'm 18 and I know i'm supposed to know how it works but I dont. I'm getting older and these are things I need to know. If ... |
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 Even if insurance won't pay for it, and I have two refills on my med., can it be filled? |
| Meaning, if I pay for the refill out of my own pocket, what would be the problem with my RX being filled "early"? My doctor did not specify that I had to make it last "x" amount ... |
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 Is this insurance fraud?????? |
| So a river runs through your back yard and its 150 feet away from your house. The flood waters start rising at 7:56 am. At 9 am you notice the water is rising fast. At 10:28 am you call to get flood ... |
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 Switching health insurance plans during pregnancy? |
| Here is the story.. Both my wife and I work and have own health insurance plans though companies. I planned to switch her to my plan during the open enrollment in August as mine offers better ... |
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 Is anyone else amazed by just how many different types of insurance/covers were meant to have? |
I mean..................
Car insurance
Bike insurance
Boat insurance
Death insurance
Funeral insurance
Travel insurance
Health insurance
Business ... |
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 Health insurance? |
| does anyone out there know what the best ppo health insurance is ?example blue cross or humana one ect.im thinking of purchacing one one my own.... |
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 Which is the best Medicare plan option for my mother? |
Right now, she has Blue Cross/Blue Shield and pays $93 a month.
She got an offer in the mail for another company, I think it was Oxford, that says she would have to pay nothing per month.<... |
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 Is it legal for an employer require its employees to either sign up for the group insurance, or provide...? |
| proof of coverage elsewhere? We are in Michigan, and the co-workers are all up in arms about this. Our employer is saying that since they provide health and welfare in addition to our wages, and ... |
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 Can a warrant be taken out for me for a stop payment on a check? |
| I went to get 2 wisdom teeth pulled. I gave my insurance cards and went to get the procedure done. Afterward I was told my insurance didn't cover me& I was to pay the total amt. I wrote them ... |
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 Speeding ticket? |
| I got a speeding ticket yesterday. I was going 59 in a 35 rushing to my grandfathers because he thought he was having a stroke. I don't want it to raise my insurance, so would getting a lawyer ... |
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 Cleaning company refusing to pay out for breakages? |
| Hi - we, and some of our Friends, use a cleaning company. They have recently written saying they will not pay for any breakages their staff may incur. Obviously we can change companies but Is this ... |
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 Having a hard time finding affordable health insurance? |
| I just need a simple surgery on both my ears. About a year ago I developed a keloid on both ears. I know they can get bigger so I want to get it fixed before it looks like a grape behind my ear. My ... |
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 Is Universal life insurance a wise tool for retiring early? |
| We have universal life ins policies. Was listening to a radio prgm that says they are bad "investments". We want to retire early, so we need to have something other than IRA and 401 K to ... |
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 Life insurance/assurance to protect self employed? |
| A serious question now: I am 25, good health, don't smoke, regular exercise ... I'm self employed. I need some form of insurance that will cover me for illness, so I can have private health ... |
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Justin R | What is the best option for personal health insurance? |
I am recently coming to the end of my COBRA 18 month policy that I took after ending my last job. I am my own boss, and I am wondering how to go about seeing which providers would be a good fit. I currently have Blue Cross/ Blue Shield. Is there a way to keep the same policy and just pay a normal premium? |
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Zarnev
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ehealthinsurance is a good place to see what is available but don't buy from them unless you like talking to people in a call center. Call a local agent that works with all the major companies; you'll get the same rates, you'll get the same office each time you call and you'll get personalized service. Also, if you have any pre-existing conditions or are out of the normal height and weight guidelines the agent will be able to find the company that will accept you and that will have the best coverage for your situation. ehealth just submits your application and they don't worry if it gets declined. |
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debijs
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~~You will have to have a new policy after your COBRA ends. They may rate you differently because you were under a group rate. If you are a Costco membership and live in either, CA, OR, WA, NV or HI they have small business insurance that;s awesome as well as great rates. You can go to www.costco.com if this applies. If not, you can talk to an independent agent for quotes, or try www.ehealthinsurance. com and get quick quotes from several companies. I wish you luck!~~ |
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Tom Z
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Blue Cross / Blue Shield plans vary from one State to the other. But that being said, you probably will be able to convert to an individual plan offerred by the "Blues" without proof of insurability. The plan benefits will not be the same as the plan you now have through Costco.
You need a trusted adviser to help you through the process of purchasing health insurance so that you understand what you are purchasing. Your agent may be able to offer the individual plans from Blue Cross / Blue Shield as well as showing you plans from other carriers. Or you may need just temporary coverage until you get another job. Some may suggest going on line to get a quote but you probably already know that there is much more to health insurance than price.
If you will be seeking long term coverage consider that ultimately, you are the one who determines the affordability of your health insurance plan by deciding how much you will participate in sharing the cost of your health care with your insurance company.
If you choose a plan that covers everything i.e. doctors office visits, prescription drugs, preventative health benefits, maternity coverage as well as low deductibles and low copays your monthly premiums will be significant.
On the other hand if you are young and healthy and rarely use the health care system you could consider a plan that covers only the major health catastrophe which will result in a relatively low monthly premium. You then can use the monthly premium savings to pay for the occasional doctor visit and still come out ahead.
Use the Internet to educate yourself but use an agent to purchase the coverage. |
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mbrcatz
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Nope, you can't keep the same policy.
You have to reapply for a personal policy, which WILL be underwritten as far as your health and age go.
If you've got stuff currently wrong with you, the options include increasing the rates, refusing to cover those conditions, or flat out not insuring you at all, so don't wait too long before getting replacement quotes.
On the other hand, if you're young & healthy, that private policy is probably going to cost LESS than the Cobra. |
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