 My bike was recently stolen, but has since been recovered by the police. Do I have to tell my insurance firm? |
| When my bike was stolen I was informed by the police there was little chance of recovery. However they have since recovered my bike and made an arrest. In the meantime I claimed for the bike under my ... |
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 Can my doctor's staff refuse to give me an appointment to see him because my insurance didn't pay yet? |
| I called for an appt.and one of his receptionist said I had to pay at least $55. before he was able to see me. I don't pay anything out of pocket, because my secondary insurance picks up the 20% ... |
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 Can I add my girlfriend to my health insurance if we live together? |
| Some states allow benefits for "partners." Is this the same? I am insured by Humana (Open Choice PPO)... |
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 Can only "legal" family members be considered as "dependents" under someone's insurance plan? |
| My fiance has a great job and is covered under his company's health insurance plan (Blue Cross Blue Shield). Can I be covered under his health insurance (for an additional premium, of course) if ... |
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 How much settlement will I get for my car accident? |
| I will miss two days work and have whiplash... nothing that serious, just pain that will probably go away in a few days. I just want to know if anyone knows the fair amount for pain and suffering? I... |
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 Have you ever fiddled the insurance? |
I have a suspicion that many insurance claims are inflated or less than honest, for example "my dog knocked a cup of tea over and it spilt all over the 42 inch plasma TV".
Have ... |
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 My husband was hurt on the job yesterday. His workman's comp insurance tested him and found .036 alcohol. |
| He works in a factory and I am concerned that he may loose his job. Does anyone know what might happen? We have 5 kids and we really need his income!!!... |
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 Help, insurance nightmare!? |
| I'm currently having a nightmare with an insurance claim. While out in the car last month a white van reversed into me (he was backing up at a tunnel to let cars that were coming the other way ... |
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 An illegal alien backed into my parked car. Im insured, he is not, How do i make him pay for it leagally.? |
| My car was parked and the guy who hit it happened to be illegal. A police came to the scene and filled out a police report. I dont think i have to pay my 500 deductable. Is there any way i can ... |
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 A 30-mile-wide meteor may hit Earth in 2056. Are you buying insurance now while the rates are still LOW??? |
It would seem a wise business decision to my way of thinking.
Well, ARE YOU ???
Additional Details
WTF is the Carlos Mencia DEE DEE DEE award ???... |
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 Does anyone know of a trustworthy and reasonable health insurance company? |
| I would love to quit my low paying job, to be home with my daughter. My husband is self employed and we are considering buying or own health insurance, as I'm really only working to pay for ... |
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 How flexible are life insurance quotes. Can I negotiate with company for a better rate.? |
| I got a quote for my wife and me for life insurance (20 years/400K each). I would like to negotiate a better rate with the broker (assuming same coverage).Can it be done, or are the rates fixed, is ... |
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 How do you feel about insurance companies pulling your credit report? |
| I live in Michigan a state where it is law to have insurance. I have also been denied insurance by a certain large insurance company based on my credit score. I just don't think they should be ... |
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 Isn't it kind of sexist that women pay a lot less for car insurence than men? |
| It's not fair, if a 19 year old girl and guy both just get their drivers license's and buy a car the guy will pay double than what the girl pays for insurance.... |
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 Car accident and should I report to my insurance? |
Hi,
I got into a car accident this morning.
A big delievery truck was trying to merge into my lane and hit me from side from behind. But he won't admit it was his fault.
I ... |
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Jen | Why isn't health insurance required when many other forms of insurance are required? |
Wouldn't this solve the health care crisis?
Additional Details
The people don't forgo health care, they don't pay the hospitals or doctors. |
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cramsib
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because human beings are more susceptible and more probable to get sick, need medication, not to mention the near certainty of old age which begets more health problems as opposed to drivers getting into accidents or homes burning down or getting burglarized. it has to do with the probability of risk. insurance companies almost certainly always have an out-of-pocket cost on medical policies even after collecting the premiums whereas other types of insurance carries much less probability of loss payment. that can also be seen wrt medical insurance premiums as opposed to other insurance premiums which are much lower in $ amount.
as for solving the health crisis, mandating health insurance by law doesn't work because the quality of care will plummet. the answer is to control the cost of medical care . how you do that is what we've been looking for for the last 25 years. probably a combination of larger health coverage for as many people running concurrently with lowering of costs of mediacal providers like doctors, hospitals, labs, drug companies, medications and less litigation. everybody's gotta give some in order to meet in the middle somewhere. |
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Landlord
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It would, but we should have the right to not have health care if we dont' want it (also should not be expecting others to pay for our choice to not have it).
Other insurance is required because your actions effect others, like automobile accidents. No one else is effected if you choice to forego health care. |
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dimples_in_nj
 |
I don't agree with your question however; without argument agree with your concern.
1. Car insurance is required "if" you drive.
2. House Insurance is required "if" you want to obtain a mortgage.
3. Business insurance is required "if" you own a business.
4. Health Insurance is required, "if" you want to live healthy.
This issue is not an easy one to solve and probably will stay a topic of conversation in congress rather then a solution.
My personal solution of the uninsured market place is education rather then handouts or requirements. As an insurance executive myself, I deal with numerous requests for health insurance. The problem with society is that people are shopping when they have already inherited a risk.
For instance, a highly educated self-employed friend of friend in her 30's asked me if I can help her find health insurance. I advised what coverage she had currently? She replied by telling me that she never needed insurance and was recently diagnosed with breast cancer and looking for a policy. Understandably, the individual carriers have been denying her access...
Given my friend of a friends situation two opinions are formed.
1. The insurance carrier is making all money and will not accept any bad risks even though it would be the right thing to do. They should pay for her claims through all their profits.
2. The intent of health insurance is to protect from unexpected lost not when you acquire one. It is not a good business move to allow only the sick to apply for coverage. This will cause the rates to go higher of those whom entered the pool for the right reasons.
I have some thoughts on solutions however; people often dismiss them as they are not immediate hand out remedies and more long term. These solutions revolve around changing the culture of americans regarding healthcare rather then just handing it to them.
The last thing anyone really wants is a gov't based system of coverage or some requirement. Can anyone imagine what the healthcare system would look like with Medicare reimbursment rates to all doctors and hospitals and a gov't body larger then the IRS running it? Also, if we forced private insurers to inherit all these risky people? |
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mike1942f
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The only forms of insurance I know are required are automobile and mortgage and both have a mechanism for enforcement even if auto is not at times.
There are people who believe that if everyone had health insurance the crisis for people who don't have it would be solved, but there are others who think costs would go up even faster. As for requiring it - listen to the screams of "socialized medicine" that result, so it will be private insurance and stockholders of insurance companies will rake a percentage off the top.
What is really stupid is that Medicare and insurance companies do not allow hospitals to take a "bad debt" allowance as all other businesses do, so the hospitals crank the uninsured rate way, way up and then give huge discounts to Medicare and insurance in the name of "direct costs" |
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Blunt,to the point &comic satire
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Health insurance covers yourself. Only YOU care about yourself. The other insurances cover possible injury or damage to people or things that are not yours(so you have no right to make a negative impact on)lest your sorry "behind" gets sued. |
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LtColonel
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HMO's and the other companies would LOVE coverage being mandatory. Affordability already is impossible, something mandatory would result in financial ruin for millions. Outside of employment coverage (which itself is way out of line) just try buying it for yourself. Sit down before you see what it costs.
We'll never see improvement: the drug and health lobby is the 500lb gorilla...just ask Hilary Clinton. They flattened her before so her plan now is terrible, just what the insurance industry wants.
Sky high costs of health care is like the high price of gas..Americans just keep paying and paying without much of a whimper. Try figuring that out. |
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src50
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Thats part of the great "health care" debate going on now. But the other side of the coin is that if its going to be "required" then it must be available and affordable. Right now it often isn't for many. |
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mbrcatz
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The ONLY form of insurance required by law (except in MA), is workers compensation (except in TX). ANY OTHER kind of insurance, is something you agree to by contract. There's a way out of NOT having it. Don't want auto insurance? Don't drive, or borrow money for a car. Don't want homeowners? Pay cash for your home.
It would NOT solve the healthcare crisis. Two reasons . . .half the uninsured people in the US today, are here ILLEGALLY. They drive on our roads illegally with no insurance, they take illegal jobs, what in the WORLD makes you think that requiring people to have health insurance, would get them insured?
Second reason - have you heard about the social security crisis? By the time *I* retire, there will be TWO PEOPLE working to provide my benefits. Well, you can't TAX people that much! AND pay the SS overhead! Adding on 35 TRILLION dollars of annual expenses, PLUS OPERATION COSTS (with the government, 20% of every dollar goes to the actual cost, 80% to overhead, meaning, heck, what comes after a trillion?), well, do YOU want to pay 90% income tax rate? I think it would collapse the whole system. |
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MB
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To me health comes first.
It should exist. |
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mamatohaley+1
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Required insurance is normally in place to protect others, not yourself. You only need liability auto insurance to cover damage to other cars/people, you have to have comp and collision if you have a loan to protect leinholder. You only need homeowners coverage if you have a mortgage to protect mortgage company. The theme here is that these insurances are not here to protect you (like health insurance would be) but to protect others. |
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Michael F
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Cause we have medicaid to bail out the poor uninsured. ? This wouldn't solve anything, as the money will come from our pockets in some form as either higher taxes, or long lines for medical help. Try to get a hernia operation in Canada, you'd be lucky if it took 1 year.. |
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Tom Z
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The health care crisis would be solved if everyone (young and old) was required to purchase health insurance but not everyone can afford the coverage. If everyone had insurance the cost would be reduced somewhat because the costs would be spread out over a larger "pool" but it would still be pretty expensive.
Instead many people think that the government should offer universal "free" insurance even though we all should know that nothing is free |
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dummy1 d
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