I think I made a bad decision out of ignorance of the consequences of adding my domestic partner to my health insurance coverage in NYC. I am in potentially big financial trouble because of this, but before I deal with it, I want to make sure I understand what's going on. Can you help me understand how a very low premium has turned into an enormous chunk out of my paycheck--and what happens when I file my tax returns? [more inside]
After trying EVERYTHING for over a decade to help my treatment resistant depression, I tried Ketamine infusions. They help, but they are expensive and inconvenient. [more inside]
My unmarried partner and I are pregnant for the first time, while on a six-month working trip to NYC (four months left). We found out on the weekend and in order to be (partly) covered by our insurance for prenatal care, we need to provide a LOT of information to the insurance company: chosen providers, required tests, costs, etc. We don’t have a clue where to start with this: not just because this is our first pregnancy, but also because the American health care system is so foreign to us. We need help on how to start choosing a temporary care provider and… well… everything else! Can you help? [more inside]
Several months ago I moved out of my dad's second home, where I had been the only primary resident. I had my mail forwarded to my new residence, and today I got a billing statement for a homeowners policy (that began last month) on that second home, listing me as the insured. Why? [more inside]
Have you convinced you insurance to change their minds after they tried to tota your car? How did you do it? I have an older car that just needs a lot of bodywork after an accident but is mechanically sound. Insurance wants it to be a total loss, but I want them to fix it. The repair estimate is about $150 over the 75% threshold that North Carolina uses for a total loss. (Yes I am aware I can fix it and get a salvage title, but would prefer to avoid that if I can)
My company is self-insured and thus can write their own insurance policy without being subject to many regulations. For whatever reason, they decided to exclude transgender health services. I did not find this out until last week. I have surgery scheduled in three weeks. I am going to pay for it myself but I want to ask HR if they'll reconsider not being [swear words redacted]. [more inside]
In August of 2015 I had brain surgery at the Cleveland Clinic to remove a tumor. It was benign. I've been back several times for radiation therapy and other follow-up appointments. Everything has been really, really great. I mean, as great as brain surgery can be, I guess. My right vocal cord is paralyzed as a result of cranial nerve trauma, but other than that, I am here, and I am happy. There is, however, the small issue of the bill. [more inside]
Is there such a thing as an insurance plan that covers just a formulary of prescription drugs? [more inside]
If two people walk into a facility for an MRI, one with health insurance, one without, will they be charged the same? Assume both are paying out of pocket because insured person has a high deductible. Does insured person still get a better rate? Or does it vary? Hoping someone with knowledge of medical pricing/billing can answer this.
I don't have my own car, so no insurance there (I have health insurance, period, no other kind). I also don't have a credit card, and am going with Enterprise as they are willing to work with that without running credit. In order to be protected as I drive a 14h round-trip, what insurance should I tack on? It's been a long time since I bought any (and I haven't rented a car in ten years). Advise please?
Looking for friendly, decent dentist recs that accept Delta Dental insurance in or around New York City's Upper West Side
Help this creative writer be smarter at my exciting financial insurance marketplace job. [more inside]
I want to get a Mirena IUD, but I am still losing pregnancy weight and I would rather finish doing that first just in case the IUD makes it harder. Will IUD insertion remain free on my already-purchased insurance plan for 2017? [more inside]
Looking to buy 8 days of travel insurance for a trip from Canada to the US. Difficulty: Pre-existing condition with an unclear diagnosis. However, I'm willing to pay extra for coverage. Thoughts on a provider? [more inside]
Disability insurance for freelancers: Worth it? Who does it well? The last question on this topic was from 2009, so I'm hoping for some more current info as well as (hopefully) recommendations! [more inside]
I'm filling out a claim for temporary disability and am stumped on the section about a third party--both of us (or neither of us) were responsible, and I thought I was okay and didn't get the person's contact info. Both "no" and "yes" seem dishonest/incomplete as an answer to if a third party was responsible, and there isn't room to explain the situation. [more inside]
A relative of mine is visiting the US without travel insurance, and their child has been hospitalised in New York and is receiving treatment. This relative does not have the means to pay for the hospital stay or treatment, so what will the consequences be? [more inside]
Legal Insurance: Has anyone done a legal insurance plan like MetLaw or Hyatt Legal Plans? My work is offering one and I’m not sure if they are a good value. Details inside. [more inside]
Our increasingly elderly father has survived another health crisis, but is going to need more care than we can afford or provide. Difficulty level: he's an ex-pat on the other side of the world, but wants his kid(s) to take care of him. Wall of text and some Whiskey Tango Foxtrot-ness inside. [more inside]
Asking for a friend: My photographer/videographer buddy's going to Paris for a month, and would like to take along his 27" iMac to edit his work while he's there. Being as this whole business is too large for a carry-on, is there a way for him to insure his computer in checked baggage? [more inside]
How do I fill out the employer section of a rental application while on EI? [more inside]
I am pregnant in the state of Maine. I want to keep it. How do I not go into medical bankruptcy? [more inside]
I bought 3rd party insurance when I pricelined my rental car. . This morning I came out of the apartment where I stayed (central St Louis) to find someone had hit the bumper. I was hurrying to get to my mother's bedside (she is dying) and did not file a police report. WHAT DO I DO NOW? [more inside]
I need help finding a lawyer. I have a complicated sublet situation, and I have questions about renter's insurance and personal liability. What kind of lawyer should I seek out? Do you have anybody whom you can recommend? I'm in San Francisco, CA. [more inside]
Received a notice in the mail yesterday that our group health plan at work will be terminated on FRIDAY. The letter was issued on 9/20/2016. As far as I know, we are still employed by our company. Shouldn't we have been given a TEENY bit more notice? I don't even know where to start with this. Hope me, wise ones!
I'm going to be staying in an Airbnb for an extended period of time. Is it possible to get renter's insurance or some other form of insurance to cover the valuables I'll have with me? The Airbnb is in the U.S. and I'm American.
Mrs. Ivan and I need new insurance on our home and autos. I'm in Oklahoma, and trying to dodge the "Actual Cash Value Endorsement" scam. I'm really looking for help in research: looking for best value/best coverage for the dollar, of course. Any recommendations as to research avenues? [more inside]
How is a pharmacy providing me a prescription for free that isn't covered by my insurance? [more inside]
I was recently injured in a car accident while on vacation, in a way that makes me eligible for a "dismemberment" payout in an accidental death and dismemberment insurance policy. Through a stroke of luck (if you can call it that) it turns out I'm covered by three such policies for this incident. I have AD&D insurance through my employer, I booked the flights on a credit card that offers AD&D for the duration of the trip, and I booked my rental car through a different brand of credit card that also has an AD&D clause. [more inside]
Within this year got two diagnoses of bipolar and depression while still on my mother's insurance. She recently lost her job. Could it be because of this? Also how will this affect her in looking for another job and insurance? Is there any to hide this or fix it by getting these diagnoses removed?
Oh dear. I bumped another woman's car with my car at a very low speed. I thought she wasn't stopping so I drove on -- then I saw her taking down my plate number but couldn't indicate to her that she should follow me to pull over. Now what will happen? [more inside]
Hello. Thank you in advance for your help. I have had Kaiser insurance for many years for me and my son. I have been on auto-pay and I guess my auto pay expired and I never re signed up for auto pay so my insurance was canceled. Totally my fault, I get it. I suspect they sent me a million letters but I tend to throw mail away in a haste and probably thought it was junk or just a THIS IS NOT A BILL statement thing. But now what? [more inside]
I got my next house insurance bill (due in October.) My Dwelling and Other Structures (house + detached garage) are listed at a Limit of Liability which is 5% less than the house/garage cost four years ago and at least 20% less than it would cost to replace them now (since house building hasn't gotten cheaper and my house has increased 10-15% in value according to real estate comps.) Should I increase the Dwelling and Other Structures coverages to cover what it would really take to rebuild my house?
I am converting from Sole-Trader to a Private Limited Company (for liability reasons). I am the Director (100% share-holder) and sole person who does "the work". Do I need an accountant or a legal advisor or both? [more inside]
I was involved in a minor car accident while driving a rental car. What do I need to do now? [more inside]
How are insurance companies going to handle VW diesels? [more inside]
What does a "change in health" mean from an insurance/legal standpoint? [more inside]
Hello all, I can't find this answer anywhere (without directly asking my insurance company). My wife has multiple sclerosis, and without insurance her medication costs $6k per month. On our current plan I play $30 for a 3 month supply via the specialty pharmacy home delivery. We are losing this coverage at the end of August, but have a delivery in progress and will receive the next 6 months worth before we lose coverage. Is there some way they can charge me for the medication already received if I lose coverage for the following months? [more inside]
A truck backed into my driver's side door as I was getting out to go to the grocery store. His insurance says we're 50-50 at fault. I don't agree, but of course I don't. I have anxiety and don't trust most of my gut reactions to things. Most of the people in my life say "No. The other driver's at fault. Push back." I'm looking for outside opinions. [more inside]
Blue Cross Blue Shield of Illinois is refusing to cover speech therapy for my toddler's swallowing disorder. They say they only cover speech therapy for speech problems. This seems insane. What next? [more inside]
I was recently laid off. I am searching for a new permanent gig, but in the meantime I would like to try to earn some extra money by freelancing. I want to understand the implications of this and make sure that I am not overlooking anything that I need to consider. [more inside]
We are about to close on a house and have been offered private (owner's) title insurance in addition to the title insurance the mortgage lender requires. Cost is a one-time $2.5k payment. [more inside]
Seeking good descriptions of insurance jobs that are as gripping as I know they can be -- ideally, not life or health, but more like writing policies or investigating damage/loss to property. A fact-laden account of the work performed by real people would be best, but fictional is okay too. I remember television's Banacek, and the Thomas Crown Affair, as being interesting but not much about the nitty-gritty; incidental characters as in Groundhog Day (watch out for that pothole!) not as helpful. Thanks!
During recovery from complex PTSD, I am presented with the alternative to suffer in one of two different ways. Which do I choose? [more inside]
Can I insure a computer against my own foolishness, e.g. spilling a glass of water on it? [more inside]
This question contains two questions. One regarding the life of unemployment and the other is in regards to navigating the world of the uninsured. Help me adult these situations. [more inside]
I left my car on the street in front of a friend's and it was backed into by one of their neighbors while I was out of town. My friend took the guy's info, but the driver wants to handle without involving insurance. What should I do? [more inside]
YANM(mother's)L - My mother and her two brothers have joint ownership of a home in California (left to them as an inheritance). One of the three has been on Medi-Cal for many years, and another was on it for only a few years. [more inside]
I have a high-deductible health insurance plan ($6,000) and this is the first year I will max it out due to a costly and ongoing medical issue. Bills are beginning to arrive from my GP, my specialist, and the hospital where I had bloodwork and surgery (outpatient but full anesthesia). There will be more as treatment continues. How do you figure out who to pay first? [more inside]
How do I review, audit, question, and negotiate this stack of medical bills? Employer-based insurance that is a PPO. It's decent. But the hospital's billing department, not so much... Lots and lots of individual bills. Most valid, but some may not be. [more inside]