Yesterday afternoon, while on the job, I was involved in a car accident. I was crossing an intersection when a car ran a red light and slammed into my front passenger side. My car went into a telephone pole. Thankfully there were no serious injuries to either parties however both cars were totaled. Witnesses called the police and a police report was filed. The investigator took the statement of one witness who watched the other car run the red light and hit me. I have a few questions about what happens next to make sure I am taking the right steps. [more inside]
The insurance provided by my former employer ends on July 31 for my partner and me. COBRA is cost prohibitive ($1900 a month for both of us). So, now we are turning to the New York Healthcare Exchange. We need a navigator, but I'm not sure how to find a good one to help us with our snowflakes. Seeking recs and advise. [more inside]
I am not irresponsible! I am a US Citizen who lives in a European country, where I am on state health insurance. We are back in the US for three months, and have temporary, emergency health insurance here. (We are not eligible, as non US residents, for ACA insurance.) I find myself unexpectedly but happily pregnant, with a few more months in the US to go before we return. How do I get prenatal care? [more inside]
I'm having an MRI on my knee late Monday afternoon to see if I might need surgery on a possible cartilage problem. The cost will be a financial hardship, and I have a question about how to discuss that. Also, I got multiple opinions from doctors, and I have a question about how to handle that. [more inside]
My partner was recently in a life-threatening accident, and he went to the closest hospital - which happens to be the only hospital in a 100 mile radius that is out of network for our insurance company. Do we have any recourse? [more inside]
I've been researching by psychiatrists recommended by my doctor and ones who take my insurance. The reviews are terrifying. Anyone have positive experiences with a psychiatrist in Austin who takes Aetna? I can't afford to pay out of pocket...
I got into an accident this weekend and I dented my door & part of the fender. My insurance company says that if the fix is more than 80%, they are legally obligated to declare is salvage / total loss which means I lose my car. I'm scared that this is the case. [more inside]
Have you ever had renter's insurance? What happens when you make a claim? Do you have to have documentation of buying the thing you are claiming? Does your premium go up if you make a claim, and if so, by how much? [more inside]
Will the availability of COBRA keep a person from qualifying for a Marketplace plan and/or subsidies? [more inside]
About a year and a half ago one day, I received about a dozen telemarketing calls in rapid succession wanting to sell me car insurance. I haven't owned a car in about 5 years at that point so I assumed that maybe years and years ago I filled out a form and my information was passed around from lead vendor to vendor and suddenly resurfaced. [more inside]
Two months ago I went to a new doctor for my yearly physical at the recommendation of a friend. I've talked with my insurance provider before and they said that an annual physical is covered and should cost me approximately nothing. So I was surprised when I later got a bill for several hundred dollars. The root of the problem seems to be that the doctor classified everything as diagnostic rather than preventative. My insurance has said they can't do anything unless he contacts them and changes the classification. I have called and emailed the doctor's office multiple times to clear up the issue, but they have done nothing and I am still getting bill reminders for several hundred dollars. What additional action can I take, legal or otherwise, to force this doctor to fix his mistake?
I've come to the realization that I'm stupid for not having renter's insurance. Mainly because I now have a collection of six bicycles that are very dear to me; a couple of them are even custom. I'm looking for renter's insurance that will protect me from theft (in home and out) and if possible, even damage from crashing. Ideally this would also cover the bikes at full value, not some bs depreciation. I'm in San Francisco, CA.
Expats living in London, renting the ground floor flat of a house. We don't have much in the way of high-value possessions aside from laptops, TV, bike, clothing, but we should probably get them covered. Please recommend a good policy or insurance company. [more inside]
In a month or so, I will be buying a used car from a relative in a far away state to bring to New York state (not city). What do I need to do to be in compliance with the law, regarding insurance and registration? I already have a NY state license.
A licensed, insured and bonded contractor (asphalt) performed some work at my home, but due to sloppy work, sprayed tar droplets all over my home, garage door and walkway. I don't think he can fix problem on his own. [more inside]
I managed to scratch my car doors on a parking garage column. Should I use insurance to cover it or pay myself? [more inside]
My mother is retired and disabled, on a fixed income. Every single year she hits the coverage gap (the "donut hole") on her medications, usually by September or October. This leads to the last three months of the year being a scramble of asking for free samples of her diabetic medications from her endocrinologist, and scraping to get by. At her last visit, her doctor straight-up offered to write the prescriptions in my name. My insurance would cover it with a simple copay and no coverage gap. Should I do this? [more inside]
I haven't had health insurance ever since the Obamacare thing went into affect. This happened because I was overseas for a long time and I let my us health insurance expire and then I got really confused about the new rules so I just kept putting it off. [more inside]
Hi. I have a question about how employment insurance works in Ontario. I read through the government of Ontario's webpage, but some things were unclear and I was hoping to get some clarity here. (If there's a better place to post this, please let me know!) I currently work as an actuarial student. In this context, student means that I'm still progressing through exams - I'm actually in my late 20's and well out of university. My job requires that I pass a series of exams. If I fail to pass an exam at least once every 18 months, I'll be fired. I'm writing an exam at the end of April and if I fail, I will meet the condition where the company can fire me. My question is - would I qualify for employment insurance payments if that were to happen?
In the midst of wedding planning and I am not sure how to resolve this particular issue. We finally found and booked a venue that we like and where we could bring in an outside caterer. Our caterer happens to be a BYO restaurant. Our venue allows us to serve alcohol but requires proof of insurance. Particularly, Host Liquor Liability insurance for $500,000. Since the caterer is a BYO, he does not have this coverage. How do I go about getting the required insurance? I know there are third party insurance providers. Is this where I should turn to? [Located in Philadelphia, the venue is a township owned building, the wedding date in Summer 2015]
What does it mean when medical insurance applies a negative exclusion amount to a charge? [more inside]
My husbands car was hit while parked. The other guys insurance company has deemed the car a “total loss”. It is almost 3 months since the accident and insurance claim. The insurance company continues to delay resolving this and we have no idea where to go from here. [more inside]
Difficulty level within... [more inside]
I have Blue Shield insurance and am frustrated by the limited search options available on their site. [more inside]
I have breast cancer. My health insurance company, which has paid out tens of thousand of dollars in the past two months with not a peep of protest, has now denied the $6000 genetic testing to determine whether I have the BRCA (and other) mutations. I am not really surprised, but I don't want to pay $6000 out of my pocket, either. [more inside]
While I was away, someone caused some minor damage to a corner of the house with their truck (chipped/cracked masonry, missing mortar, etc). My neighbour dealt with the initial incident, and I have the culprit's insurance details, and will be initiating a claim. Having not claimed on my house policy before, do I need to contact my insurance as well? Or do I just go through the insurance of the person who caused the damage? Thank you!
I know a lot of people have asked questions about RV's and living but we're having a specific issue: We will have an RV (Class A) as our sole transportation and accommodation as we move from Canada to the US. Insurance seems to be a sticking point. [more inside]
I have a friend (living in the US) who's been affected by a puzzling case of right-body paralysis out of nowhere. 4 months into physical therapy, I'm afraid she's been misdiagnosed and we both want to fight for second opinion. How can it be done? [more inside]
I was rear-ended last night - at a complete stop waiting for a light; the car behind me was going about 40mph when it hit us. Called the cops, called my insurance, it is completely the other driver's fault. My insurance said I can either have the other driver's insurance (Traveler's) handle my claim, or I can pay my $500 deductible and have my insurance handle the claim (repairs, rental car, etc.) with the knowledge that they may not be able to recover my deductible. [more inside]
USA insurance-filter: is it possible to be covered by 2 private insurance plans at once? We like my wife’s employer’s insurance, but it doesn't cover the expensive fertility treatments that we’ll be receiving soon. My work’s insurance does cover those treatments. Can we pay for both insurance plans and be covered by both? [more inside]
I would have a 5 day gap between my new job's health insurance and ending my ACA health insurance. Should I buy another month of ACA or risk the 5 day gap? [more inside]
I have an appointment with a psychiatric nurse tomorrow, I have two insurance policies that overlap until the end of the month, and I don't know which policy would be the smartest to use. [more inside]
I am using my high deductible health insurance for the first time. "Preventive" services are completely free. Help me understand how to stay within preventive services. [more inside]
I'm a US citizen with a US driver's license, currently living in London. I don't own a car and I don't have car insurance. I'm planning to rent cars on holidays in the UK and elsewhere in Europe a few times this year. How do I do this without buying the typically exorbitant insurance coverage from the rental agencies and not relying on the limited coverage that my US credit card offers? [more inside]
She's uninsured and pretty weak, but told she needs the operation in 30 days or her life is at risk. How do we get a hospital to take her on? [more inside]
I want to investigate the cost of getting a small business liability policy, which is necessary for me to rent classroom space at nearby universities and local school districts. The requirement is usually a $1million policy with the school as an additional insured. I assume it will make the most sense to just get an annual policy, rather than event by event. Can you recommend reputable companies I should contact for quotes? [more inside]
I can get somewhat cheaper auto insurance from Allied, but have not heard of this company. Googling for reviews get mixed results. Has anyone had experience with them - customer service, paying claims, etc.?
USA insurance-filter: we can't have kids naturally and need either surgery or IVF. We are on my wife’s insurance, which does not cover either of these. My employer's insurance says it does, but before we switch I want to be very sure these things are covered and understand any limitations. Can I just ask the insurer directly? [more inside]
What was this novel/short story/screenplay/dream I read? Seeing Wow, that literally costs an arm and a leg! on the front page reminds me powerfully of a scene in something I read where a father plots his successive and continuing workplace injuries to maximize the insurance payouts, which are used for the benefit of his daughter. [more inside]
I have independent insurance. I understand that under the ACA, I can't be denied coverage in the future, but will my premium be higher, the more I use insurance? [more inside]
My situation: I bought a car to replace my stolen scooter about a year ago, and just got my scooter back. Til the end of summer, I imagine I'll be riding the scoot exclusively. In lieu of selling my car and purchasing another in a few months- which I'd have to do in 8-month-rainy-season Seattle- I'd like to figure out a way to let someone use/insure/park it til then, and be legally assured that I would get the car back in the same condition I left it. More inside. [more inside]
How do I find out if a Life Insurance policy exists? My Dad passed away last week after a short illness, and I'm in Milwaukee taking care of his affairs, cleaning out his apartment, etc. It was so sudden that we never got a chance to discuss specifics like if he had a will (he doesn't), etc. This is in the State of Wisconsin, city/county of Milwaukee. [more inside]
My fiance sold and shipped some very expensive, heavy, one-of-a-kind electronics to an online friend overseas. They were damaged during international shipping. The purchase price was over a thousand dollars and the items are literally irreplaceable. Who is legally liable here? What are the ethics? We *cannot* afford to reimburse this expense. [more inside]
Unbeknownst to me, my in-network-doctor sent my labs out-of-network. I just got the bill :( Now what? [more inside]
A year ago, I was involved in a car accident that was not my fault. Now, in exchange for being released from any future liability for injuries relating to the accident, the other person's car insurance has issued a check directly to me. For $10k. This feels too good to be true--is it? [more inside]
The San Francisco city tax collector just called me about an extremely expensive, 3-year-old ambulance bill I wasn't aware of previously, what are my next steps? [more inside]
I've been seeing a PT for 3 months who is covered entirely by insurance. They provide ultrasound, etc., but not much else. I want to see another PT to get better treatment and pay out of pocket. Would it be OK to continue seeing the insurance-covered PT for ultrasound and e-stem once a week and pay out of pocket to go to the other PT once a week? Would my insurance company frown on this if they found out?
I am getting health insurance just to meet the minimum coverage for something I'm doing that requires health insurance. I just want a cheap plan that I can get online. I tried googling but it's overwhelming and I don't know which sites to trust, half of them look like spam/scam to me. Is there a good comparison site?
Asking for a friend: "I have TMJ & I'm looking for new insurance. I've noticed that Health Choice Insurance doesn't exclude TMJ, but you have to be authorized for it. The company seems small, and to partner with a handful of clinics. Does anyone have experience with this company, or with a different company who would cover an occlusional splint specifically made for the treatment of TMJ?" [more inside]
Is there a way I can purchase life insurance and/or funeral insurance for my parents, and if so, which would be the best way to do it? [more inside]