 How do I sue a company for giving false information to an insurance company? |
| Work stated that I was constantly late off sick and had no commitment, I have proof to state ... |
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 No insurance-broken wrist?? |
what a should i do?
Additional Details
it happened at the beach. ... |
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 What insurance company would cover pizza delivery driver?? |
| O.K... I was just offered a job delivering for Papa Johns and I called my insurance company and they said they do not offer "commercial insurance" and they would not cover me. Can anyone ... |
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 No Insurance. Car damaged. Should I call the insurance company? |
OK This is really hurting me because some jerk hit my car in the parking lot ( I don't know when) and when wake up in the morning and see my car it is damaged.
My problem is I don... |
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 State Farm vs. Farmers vs. All State? which is best? |
| I am seriously considering becoming an insurance agent for State Farm, Farmers or All State, but I don't know which company is the best choice for me, I am bilingual in Spanish, so I am looking ... |
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 I was left an insurance policy, how do I find it ? my grandparents passed on, so how do I get it ? |
| My grandfather left an insurance policy in my name, passed on in 1980, and grandma passed 2 months ago. My aunt is an evil catholic who won't send it to me, she wants my mother's address, ... |
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 No ins. have back problem...how can i recieve help? |
| for 13 yrears have had lower back pains...hoped it would go away,wrong...now am unemployed.no ins.dont know what to do?... |
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 Whats a good annual premium for a 50,000 whole life policy? |
| I'm 28 perfect height and weight and don't smoke. No health problems and no family illnesses. Thanks.... |
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 Would it be a good idea for insurers to give a % of income they give out in claims? |
We all look for the cheapest premium, but we have no idea how they would perform if you had to claim.
I heard somewhere that car insurers give out much more that household insurance (or ... |
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 Where can I get a cheap eye exam for contacts? |
| I need an eye exam and my new insurance plan does not cover vision. Where is the cheapest place to get an eye exam?... |
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 Mom didn't sign her life insurance policy. Insurance company reverting to old one. Can I sue? |
| She worked for the federal government and was very sick when she made her beneficiaries. Now they are saying that it is not valid and will pay from an old policy. They are having us fill out a form ... |
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| I need to obtain Supplemental medical insurance as I am approaching age 65. What is the least problematic way to get necessary information on coverage without dealing with an agent of the companies.... |
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| Medicare insurance: I understand that you can assign your Medicare/Medicaid and eliminate private insurance.? |
One company said itheir policy would eliminate the ~$190/month Blue Cross Blue Shield is charging.
I'm confused.... |
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 If someone is a beneficiary on a life insurance policy and he/she dies, does the policy holder get the money? |
| I know that a policy holder can cash in on their insurance policy, I am just not sure if they can gain anything in the case of his/her beneficiary's death.... |
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 How do you get health insurance if you have a pre existing medical condition? |
| I have a pre existing mental illness that is controlled very well with medication, and I am a productve, very educated, young member of society and otherwise healthy person, and NO insurance will ... |
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 Bank Forced Insurance? |
| My bank has forced flood insurance on my mortgage payment and line of credit cos my neibourhood is consider to be in a flood zone now . Now my mortgage payment and payment of my line of credit is ... |
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 Insurance Settlement is it fair? |
| My wife was in an acident, received hearing loss, weakness, and stiffness injuries. She can not go to movies or concerts because the noise hurts her ears. Her left side has weakenss and she can not ... |
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 Will my homeowners insurance cover this? |
| I left my mac powerbook on the workbench in my garage. When I pulled my motorcycle into the garage, I knocked it off onto the floor and broke the screen. Is this kind of thing covered by most ... |
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rubberduckehs | Why are the premiums for Health Insurance different? |
I want to apply for Blue Cross Blue Shield in Chicago 60616, and I've never applied for health insurance myself, so I want to know what the difference in premiums mean,coinsurance/deductible, and the "lifetime benefits", does that mean they will pay up to that much in a lifetime? I am going for a temporary plan there. Thanks =)
If the link would help, here it is: https://services.hscil.com/il/eapp/wxpm1653.pl?source=WEBIL00100# |
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Lori S
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Generally, the higher the deductibles and co-insurance that you pay, the lower the premium. But age, health and medical history also factor in. Deductible is the amount you pay for covered services before the insurance picks up their portion. Co-insurance is the percentage you pay until you meet the out of pocket max and your insurance then pays at 100%. Lifetime max is just that-the maximum the insurance will pay over the lifetime of the policy. This is usually the discounted rate that they pay the providers, not the actual billed amounts.
I would suggest that you find a local independant agent in your area and let him/her answer your questions. That way you will get a policy that meets both your medical and financial needs. |
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Don
 |
Below is a link to an online glossary. Hope it helps.
Don
http://mtnhealthinsurance.com |
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Insurance Pickle.com
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Deductible is the amount you pay first before the plan kicks in. Higher deductible = lower cost to you since you'll pick up more of the bill.
Coinsurance is the rate at which you and the insurance company will share the costs after the deductible is met...50/50 (you pay 50% of the bills) is cheaper than 80/20 (you pay 20% of the bills)
If it's temporary coverage just do the math and make sure you're not saving only $10 to go for a deductible that's $500 hgher. Hopefully that makes sense.
Jeff |
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Christie
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Premiums are different because the health plans are different.
The better the benefits, the higher your premiums are going to be.
Most plans have a lifetime maximum, and that means that is the total amount the plan will pay. |
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mbrcatz
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Premiums are different because the coverages are different.
You should really use a local agent, who can take the half hour to sit down with you and explain all the options. |
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onekenshinlover
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The premiums differ because each type of policy offers something different. A coinsurance, means that the insurance company will pay a portion of a bill and you will have a portion to pay also (For example they pay 80%, and you pay 20%). A deductible is something that you will have to pay first before the insurance company pays anything (this varies based on the policy you sign up for). The other two ladies were right, to find out what's best for your budget and needs, it's best to speak with a local agent. They can go over the different types of polices and help you see the advantages and disadvantages of each until you find one you like. |
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