 Do I need life insurance? |
| I am a single male home owner age 30, I live on my own and have no children. My girlfriend insists I should have life insurance but I don't see the point.... |
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 Is mortgage protection insurance good idea? |
| if not how do i protect my mortgage payments when i loose my job or am ill for 2 years and can't earn money?... |
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| Can I buy the life insurance? |
| My Mother is 52 and has no life insurance what so ever. Long story short I don't forsee her living more than 10 more years. She doesn't have any diseases, cancers, etc. and could probably ... |
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 Whats with online Insurance? |
| You keep seeing these firms on the TV advertinsing their policies and saying that if you apply online for a quote you can get a discount. Well great but aftrer you fill out all the forms it come up ... |
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 Suing home owners Insurance? |
| a man ranout in the highway and crashed into my Husband while he was riding his bike...the old man was cited for jaywalking on a highway, can my husband sue his home insurance for the damages and way ... |
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 Can you cancel easily health insurance should you quit your job? |
| The terms and agreements say that the enrollment will continue until you retire and also if you are in financial hardship, but what about if you quit your job? Is it hard to get rid of health ... |
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 I am in the uk and can anybody tell me where I can get cheap car insurance? |
| I have just made a claim and lost my 2 year no claim bonus. The insurance company charged me £850 more on top of my original £640 insurance premium when I renewed my policy. Can anyone tell me ... |
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 Do medical offices charge the same rate for people with insurance versus without insurance? |
Do doctors' offices charge the same rates for the same services to people with insurance and people without insurance?
Additional Details
I have actually heard it all ways. On the ... |
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 What is the definition of insurance? |
| I'm new to the idea and have yet to touch on the subject, I need some help, please?... |
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 Are small business owners required to prodive health insurance to their employees? |
| For example, is there any federal law making this a national small business requirement.... |
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 Why do insurance companys screw over their policy holders? |
Additional Details
On November 10th my vehicle was totaled, the witnesses said the at fault car had to be going at least 80mph when it lost control, started to skid, over corrected and ... |
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 Has anybody dropped their car insurance or home owner's policy to save money? |
| Some states allow you to prove "financial responsibility" instead of purchasing car insurance. If you don't have a mortgage, nobody will force you to buy homeowner's insurance. H... |
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 Why buy life insurance if you are young? |
| What is the benefit of buying life insurance if you are young and not married and have no kids?... |
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 Insurance questions......? |
| if your 16 can you get a car insured by yourself, like without your parents having to sign or anything?... |
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 Smokers paying more for health insurance? Why should I pax tax to put your children through public school? |
| As a smoker I would be happy to pay more for health insurance. That is...if I do not have to pay school tax to put others' children through school. My child went to a private school. Having ... |
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Joy | Why do we even need insurance companies? |
Why can't doctor's just set their own prices, and the exchange be between patient and doctor? What purpose does the insurance company serve? Say for example I break my leg, and go to the doctor. He, or a surgeon operates, places a cast on me, and I pay them. Done. Where does the insurance company come into play in this process? Really aren't these companies just complicating things, all for profit? |
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Pig Out
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Insurance can be a pain you know where! However, If you were to find out you need open heart surgery and have no insurance, the doctor would refuse to do the surgery, because he would know you cannot come up with the green. So the least of the evils is to have insurance with a deductible. With my policy I am responsible for everything under $2000. If the bills exceed that, the insurance company is there to back me up. This kind of insurance is not so expensive. |
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es
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Most people can't afford the cost of medical services. I was hospitalized for four days. It cost over $30,000.00.
My Uncle was supposed to have an operation but he had a stroke on the operating table. He was very ill for months, but survived. His medical bills were over $250,000.00. Luckily, he had good insurance.
You are right though, a good deal of the cost of medical care can be controlled better, but we have Medicare and governmental interference to blame for the cost of health care in this country, too. It is a complicated problem. I don't have all the answers as to why it is so expensive, but I know this much: when you have a serious problem and don't have medical insurance, you are screwed! |
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lawman
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Insurance is spreading the risk of loss. Part of the doctor's fees is the cost of malpractice insurance. I'm sure if you can pass laws against all lawsuits that insurance wouldn't be as necessary. |
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Chris C
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Feel free to cancel your insurance anytime you want and see how much you end up paying out of pocket throughout your life time. If you don't have insurance the doctor will just bill you. However, the reason many doctors offices won't see you if you don't have insurance is because most people that don't have insurance can't afford to see the doctor on their own. If a person can't afford it the doctor doesn't get paid, plain and sumple.
Insurance companies are all about protecting people against the odds of something happening. Obviously they base the odds on several things including the fact that some people don't understand what they have and end up cancelling it before a claim is ever made, or based on the fact that not every single person in the world will make a claim all at once and in the end it is always more likely that the insurance company will end up with more money than they pay out. Conversely, if you need to make a claim it will often work out to FAR less than what you as an individual had paid in.
And yes they are all for profit, no different than any other company in the world. That's what companies do. Why is it that insurance companies get such a bad rep for running a business for profit, yet no one walks into Wal-Mart demanding a free pair of jeans, jsut because they make profits, or no one walks into McDonald's and demands a free big Mac just on the principal that they had shown a profit that quarter? Businesses provide a service for which they deserve to get compensated for. |
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Insurance Biz CT
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The idea of insurance is to assign some of the risk that you face every day in life. If you break your leg, can you afford to have it fixed? If you were diagnosed with cancer, can you afford treatment? Do you know what that costs?
Some plans are more expensive than others, but you have less risk. Perhaps the answer is that we need coverage without all the bells and whistles. Maybe some of us do, but not everybody. I have clients who are frequently at the doctor or take several prescriptions every day. Can we all expect to earn enough to pay these expenses and still put food on our table for our family?
Insurance is not going anywhere. Pick a level of coverage and be healthy.
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ღAIG♥MU♥Annღ
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Actually, if the medical costs are not that ridiculously-robbery expensive, there would be no need for insurance. |
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What a world we live in!
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shhhh...you don't want them to hear you thinking! |
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River Euphrates
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Someone has to suck all the money out of people while they deny all claims...
Don't they??
Otherwise, you might have money left over after paying doctor bills...
And we can't have that. |
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the STIG
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dont mess with the system
RESPECT |
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Dick Johnson
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But what if medical insurance didnt exist (or was outlawed). Do you mean to tell me that all hospitals/doctors would go out of business because their prices were too high?? Would that really happen?? I dont think so....be done with medical insurance and watch those prices come down....free markets have a way of doing that. |
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