 What's the reason for life insurance? Should a single person who is not married buy it? |
| What is the real reason for life insurance? if you are single should you buy it? What is it used for? Does it have a purpose in people's lives?Why do you have to pay for it each month for? Can ... |
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 Why you would be better off buying a 20 year term life insurance policy at age 25......? |
| Why you would be better off buying a 20 year term life insurance policy at age 25 rather that buying a one-year renewable policy?... |
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 Why do people who's unisured homes were damaged in the floods think they have the right to the same help as... |
those with insurance?
Isn't the whole point of home insurance to help you in incidents like these?
Additional Details
(I'm talking about the recent floods that hit ... |
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 A dumptruck kicked up a rock and cracked my windshield. Can they be held responsible to pay for the repair? |
| I have the license number, and day and time of where it happened. it's the second time in 3 months this has happened and I don't think it's fair I should have to keep paying for this.... |
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 Should I get private term life insurance? |
I'm 39 and have life insurance through my employer. I could probably obtain private life insurance for the same rate.
Is it wise to get non-employer term life insurance now (before ... |
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 If you think you have cancer but have not been diagnosed, is it possible to get life insurance without an exam |
| Call me stupid, but I would really like to have life insurance before I embark on the cancer journey - just in case things don't go my way. If I obtained one of the no exam, online policies ... |
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 What do you guys think about accident and cancer insurance? |
At $1104 a year, do you think it's worth to have accident and cancer insurance?
Insurance saying: Don't risk a lot for a little.
Additional Details
My husband and I have ... |
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 What insurance company has cheap rates for adding 16 yr old? |
I'm asking for my mom...
She got a quote from Nationwide & it was $190 every month. That is who she has now. Then Progressive quoted her $289/month.
Gosh, it is expensive!... |
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 HOW DO i RECEIVE MY PRIZE WITHOUT INSURANCE? i DON'T HAVE ALL THAT MONEY.? |
| Is there any other way to receive the prize that I won without any payments of shipping.If not then I didn't win. Becasuse I don't have the money to cover the issurance and shipping price.... |
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 Cashing in a my life insurance policy? |
| I have an insurance policy that has been paid in full that was bought for me by my grandparents when I was a kid. I was wondering what the pros and cons of cashing it out to pay off all of my debt ... |
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 My chronically ill child(15) has spent her 1 million lifetime health insurance maximum. what do we do now? |
| we make 100k a year.but even this is not enough for her medical expenses. Are there programs we can use if we make too much money but can't afford her medical care without insurance.... |
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 Which Is Better Term Life or Whole Life? |
| Im under the impression that if you get Term Life, and lets say you die at 12:01 a.m., the day that you need to renew your policy, then your screwed because the term of the policy is already over. Y... |
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 My wife is having our first baby, I have a question about insurance/hospital costs? |
I have Bluecross of California, this is our insurance info:
$300 deductible
25% co-insurance
$2,500 out of pocket maximum (stop loss)
So if my wife has a hypothetical ... |
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 Can I be forced to pay insurance for stepchild? |
Here's the situation. My husband makes very little money. I have him covered under my insurance policy.
Until recently, my stepdaughter was covered under Child Health Care Plus. C... |
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 My brother is 40 & has a great paying job but NO insurance of any type. He say he needs none, is this true ? |
| He has no health ins, no life ins, no dental, he does have a job that pays roughly $350 a day (chief software engineer) proficient in numerous software languages, ie. c++, visual basic etc - but zero ... |
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UpTheDownwardSpiral | Will an unpaid emergency room bill keep me from being able to buy health insurance, OR hurt my credit rating? |
I have an emergency room bill which I have not yet paid and I'm wondering if it will keep me from being able to buy a health insurance policy and if the unpaid bill hurts my credit rating. The letters they send says it will hurt my credit rating, but most people tell me they're just trying to scare me and that ER bills don't hurt your credit rating. Anybody here know for SURE? |
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mbrcatz
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Yes, eventually that unpaid medical bill will go into collections, and it CAN hurt your credit rating.
It will have no bearing on you getting health insurance, though. |
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link00777rl
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no problem with the insurance, but your credit score will be effected. |
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Count Chocula
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it will affect your credit, like any other unpaid bill, I work in a hospital. they will send it to collections |
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sarah314
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Yes, an unpaid medical bill can hurt your credit rating. If the hospital reports it to one (or all) of the 3 major credit reporting agencies, it will lower your credit score just like any other item in collections would. |
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Jason
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Good Question. I never pay the Emergency Room Bills, and I never got anything saying I have to. I now also have Health insurance too, and they cover all the costs. |
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jaws65
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if they send to a collection agency it can hurt your credit but it will not stop you from getting health insurance |
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zippythejessi
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It should have no bearing on whether or not you can get health insurance in the future.
BUT if they send your account to an outside collection agency - and if you don't start making payments, they will, if they haven't already - it can and will hurt your credit. (It's the same thing as if you default on a loan or credit card.) It gets reported to any or all three credit agencies. |
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monkeyman
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it will kill your rating. if you use it , pay for it. that goes for everything. |
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dimples_in_nj
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Medical bills will criple your credit as they are some of the most aggressive collections out there. I suggest calling the billing party and getting on a payment plan.
You should not have an issue with securing insurance with bad credit. This is not criteria they are currently looking at. |
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Wintergirl
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Yes it hurts your credit rating. I had an unpaid hosptial bill of over $9,000 when I had no insurance. Any account in collections is going to hurt your credit rating. They may not sue you (although they generally threaten to), as they never sued me (I really didn't have any money), but I'd strongly suggest to call them and make some sort of payment arrangement with them, even if it's only a tiny amount each month. That should keep you current and out of collections. |
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cutelilangel_69_5000
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I think it might...go pay it immediately....
thats y i love Canada...no er bills |
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Lily
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Why worry? Just contact them. Explain the bill is too much for you to cover entirely, however you can pay 1/3 in $50/month installments. Cut a deal. |
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Cribber
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shouldn't hurt your ability to buy insurance, but will definitely hurt your credit . |
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Anne R
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If the unpaid ER bill is reported to one or all of the three credit agencies, it absolutely hurts your credit score. If their letters state that non-payment will affect your credit score than they ARE submitting this negative information to the credit agencies.
If the unpaid ER bill, was sent to a collection agency that will further hurt your credit score. If possible, set up payment plan. Most hospital are reasonable if you contact them and make an effort to show good faith in paying what you owe. Paying the bill over time is better for your credit score than having the bill go unpaid indefinitely. If you agree to pay $20, don't miss a payment. You have given your word that you accept responsibility for the debt so meet your obligation. If you simply cannot pay the bill, contact them and let them know you cannot pay. If you are low-income eligible, you might be able to obtain financial assistance in paying the bill. If you contact the hospital, they normally help with these applications but if you have let this bill go unpaid for a long period of time they are less likely to be helpful.
Depending on the amount owed, they could take you to court, obtain a judgement against you and garnish your wages if you are employed.
The unpaid ER bill will not affect your eligibility when applying for health insurance. The billing department is separate from the medical records department. However, when you applying for individual health insurance you will have to complete a medical questionnaire. (If you are working and your employer offers health insurance you typically do not have to complete a health questionnaire.) You must reveal that the specifics of your ER visit and provide the name of the hospital so they can obtain your medical records. Depending upon the need for the ER visit, you would be denied coverage as result of a medical condition or have to wait 12 months before the condition is covered. If you aren't completely honest on the application and the company learns of this your policy will be canceled for falsifying the application. |
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Jackie M
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Yes it hurts your credit. I see it all the time with ppl trying to get credit for a house. Unpaid medical bills do not go unnoticed...
Try to call the hospital or billing company and work out a lower monthly payment with them, something you can afford.
You don't wanna ruin your credit, b/c it will totally control every financial decision you make later. (I had a client that had to rent a very unsightly home and pay double deposit just b/c of bad credit.) |
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