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Former epileptic getting her license back in Ontario; insurance?

My wife, clean from seizures for about two years, is getting her license back soon and I need to know if there's any pitfalls regarding insurance. [more inside]
posted by the dief on Jul 2, 2014 - 3 answers

Can I drive a car with temporary documentation into Canada?

Last week, I bought a new car. Can I drive in and out of Canada with a temporary license plate, registration, and insurance card? [more inside]
posted by ddbeck on Jun 9, 2014 - 4 answers

Preferred by whom?

Should we use the insurance preferred auto repair shop? [more inside]
posted by BundleOfHers on May 15, 2014 - 8 answers

Do I need to sign up for ACA for a few weeks to avoid penalty?

ACA penalty question. There is a 99% likelihood that I am about to be hired by a company that will provide me health coverage beginning on April 7th. I have not been given a formal offer, but I have been given verbal assurance, and I have every reason to believe I will receive an offer next week. The ACA deadline is March 31st. Do I need to sign up for ACA to cover the week between March 31 and April 7 in order to avoid paying a penalty? [more inside]
posted by scarylarry on Mar 28, 2014 - 5 answers

Trying to fix a medical billing error: At what point do I give up?

I got a small bill for lab work done as part of a routine annual exam. The entire amount should have been covered in full. At what point do I give up and just pay the bill? [more inside]
posted by tckma on Mar 20, 2014 - 13 answers

Car insurance estimate without having to enter SSN.. see inside

Greetings. 16 year old daughter is completing an assignment for Economics and she needs an insurance quote for a 22 year old female who lives in a smallish city (Baltimore) for a 1999 Jeep Grand Cherokee Laredo. She was gonna enter her SSN in an insurance site and say she is 22. I told her (for obvious reasons) no... but we can't find a site which will give us a quote without one. Suggestions?
posted by brownrd on Mar 4, 2014 - 6 answers

Health insurance hand wringing

Could a specialist on the other side of the country still be considered in-network? [more inside]
posted by mermily on Feb 16, 2014 - 17 answers

Is this a liability case or just one for my insurance?

Yesterday, my partner slipped and fell while dropping our kid off at preschool. Every possible option about how to handle this makes me uneasy. You're not my lawyer, but that's okay, because my question is not if I can call I lawyer (or let my insurance company do the same), but whether I want to do that... [more inside]
posted by DirtyOldTown on Feb 6, 2014 - 36 answers

I am very unsatisfied with a doctor I recently visited. How do I say so?

I recently went to a functional medicine doctor. The administrative staff has been negligent. She misdiagnosed me and recommended unnecessary testing. Not to mention the cost! I don't think I should go back, but should I write a letter? Details behind the cut. [more inside]
posted by munyeca on Jan 24, 2014 - 13 answers

handwritten medical records hard to read?

After experiencing an extremely nasty psychiatrist I just need to get my medical records per the request to my insurance to get partial reimbursement for the claim. [more inside]
posted by pack2themoon on Jan 9, 2014 - 19 answers

Travel insurance recommendation for European visiting USA?

Other questions address other nationalities/situations, or are quite dated. Looking for recommendation of good travel insurance for an EU resident visiting the US on a tourist visa. No medical problems, just looking to cover incidentals/emergencies. Thanks!
posted by stillmoving on Jan 4, 2014 - 6 answers

Involved in accident, at-fault party's insurance couldn't pay for all

Involved in a four-car accident, at-fault party's insurance couldn't cover all the property damages. Now what? [more inside]
posted by Carius on Jan 3, 2014 - 10 answers

$3100 bill for "completely covered" procedure.

My doctor sent me for a colonoscopy due to family history. The clinic gave me some paperwork saying it would be completely covered unless they found something, and then it would be $250. They didn't find anything. I lost the paperwork. Now they're sending me bills for $3100. [more inside]
posted by johnofjack on Dec 19, 2013 - 26 answers

releasing counseling record to insurance? any bad impact?

In order to get reimburstment, I was requested by my insurance to provide medical record from my doctor. I'm wondering is there any bad impact in the future to release these confidentical (psychiatric)counselling histrory to insurance company? They do not always request this. This is the first time. I do not know why they are requesting it this time. I guess maybe because I submitted the claim for several visits all together which is a large bill that they are not willing to pay? Any my doctor is kind of tight on this saying that he had never done this before and unless I sign a release and come to pick up myself he would not do it. His emphasis on "comfidencial" made me think about is there any bad impact if I release this to insurance company? Will it be in my public record? will I be quoted higher premium in the future? Will these be recorded as pre-existing conditions? Does it worth it to give up reimburstment to keep record from insurance? Thanks.
posted by pack2themoon on Dec 12, 2013 - 8 answers

End of life planning

My brother and I are sitting down with my parents tomorrow to discuss specifics of what they've put in place for end of life planning. What should we ask? [more inside]
posted by chiababe on Nov 29, 2013 - 23 answers

Condo insurance conflict of interest?

I'm in the process of buying my first condominium. Is using the same insurance agent that holds the condo association's insurance for my own homeowners/content policy a good idea? If not, any suggestions for insurance agents in the Bergen County area of NJ?
posted by quokka quokka quokka on Nov 26, 2013 - 3 answers

Keep the beater car, go without a car, or buy a (new to me) car?

My boyfriend has a 2002 Ford Taurus with 300,000 miles on it. It burns oil and has some impact damage on the front so that you have to remove the plastic grill to open the hood. It needs an inspection sticker and getting one will require a new windshield and possibly some other repairs. He has just purchased a new vehicle and wants to wash his hands of the Taurus. He says I can have it if I want it. [more inside]
posted by domo on Oct 30, 2013 - 28 answers

Which health insurance plan makes the most sense for me?

For the first time, I have a choice of health insurance plans at a new job. I sort of understand the differences and benefits of each, but am feeling some serious choice paralysis. [more inside]
posted by andrewcilento on Oct 28, 2013 - 21 answers

Michigan Auto Insurance - Can Premium Rise b/c of Not-At-Fault Accident?

In the state of Michigan, USA, can your auto insurance [liability+collision+comprehensive] premium be increased as a result of a collision claim for which the driver/policyholder is judged 'not at fault' by the police or court? I thought that it could, but I have a friend who is sure it cannot. Can any of you provide a definitive answer?
posted by Juffo-Wup on Sep 27, 2013 - 6 answers

Insurance problems...

My wife was rear ended twice back on August 28th (she is fine, no injuries). Our 2012 Focus suffered rear bumper damage. The driver of the other car failed to stop after my wife and another vehicle in front of her, waited to make a left-hand turn. [more inside]
posted by KevinSkomsvold on Sep 27, 2013 - 5 answers

Health insurance for millionaires?

Unfortunately we did not win Powerball last night but it sparked an interesting conversation. Do wealthy (US) people have health insurance? I would think that once you hit a certain amount of wealth you could go ahead and drop it, right? Like $50 million or so? Which made us discuss how someone like Sunny von Bulow could be kept in luxurious surroundings for most of her comatose life. Would her family have paid out of pocket or are rich people dealing with same health insurance BS that the rest of us do? I mean she was in a coma for years, it had to have cost a small fortune.
posted by lasamana on Sep 19, 2013 - 20 answers

Someone bumped into my car this morning

Her car edged forward and bumped into mine while waiting on a red. What should I have done? [more inside]
posted by mlo on Sep 17, 2013 - 13 answers

Read ended by truck a month ago; their ins co won't make a decision

I was hit by a garbage truck a little over a month ago. He had a stop sign that he decided to ignore. I was on a rte/main road with no stop sign, going with the flow of (considerable) traffic. My car was pretty seriously damaged and needs to be fixed, but so far the truck company's insurance company hasn't accepted liability, and are hanging their decision on a guy who apparently doesn't exist. In the meantime, my car's a mess. How to get a response so I can get my car fixed and not have to cover the rental myself? [more inside]
posted by FlyByDay on Aug 2, 2013 - 22 answers

The ball's in my court (I think). Now what?

I have been halfheartedly looking for a new job. My current position does not leave me much time or energy for searching, plus I have had a lot of illness in my family in the last year, which is time-consuming and emotionally draining. When a supplier I work with mentioned that someone in her company had left recently, I asked her whether she plans to replace him, and she said she does. I emailed her my résumé, and she sent me the job listing. In her email, she asked me whether I was interested, and if not, to let her know what my concerns are so they could address them because "your résumé is great!" How do I respond in the most effective manner? [more inside]
posted by zorseshoes on Jun 20, 2013 - 6 answers

How do insurance companies test for tobacco use?

Someone asked me this this morning, and I have no idea so I thought I would throw it out to the green. [more inside]
posted by deliciae on May 20, 2013 - 8 answers

Help with my insurance and SR-22s

I am having trouble getting my insurance company to issue an SR-22 to the Oregon DMV so my license isn't suspended. [more inside]
posted by mokin on May 13, 2013 - 14 answers

How important is AM Best ratings to insurance, specifically homeowners?

Our current homeowners policy is being changed because the company no longer does business in our state. Our agent has come up with another company that is not a national company. It only underwrites in several states on the east coast. I looked up their financials and they seem to be good but I’m no expert. It also is rated with Demotech which I understand to a paid rating company. [more inside]
posted by lasamana on Apr 13, 2013 - 4 answers

Insurance options for the recently unemployed in Tokyo?

I'm an American living in working in Tokyo, but am planning on moving to the states in a few months. I will leave my current job in a month that is providing insurance and take a month or two off to get my affairs in order. What are my options for insurance after I resign? [more inside]
posted by princeoftheair on Mar 24, 2013 - 6 answers

I Want My Pills!

I've been taking ADD meds for years with the same psychiatrist, but lost my insurance last summer and had to stop taking them. Now I have insurance again and scheduled an appointment with my doctor today, but I'm worried he'll say that I'm doing just fine without the pills. However, I'm also afraid of looking too desperate if I tell him how much I want them! Can I tell him everything without sounding like I'm a junkie? Details follow. [more inside]
posted by brisquette on Mar 14, 2013 - 14 answers

do I have to be covered by health insurance when claims are submitted?

If my medical provider submits a claim for treatment that was received while I was insured, but the claim is submitted after my insurance expires, will insurance still pay? (Asking in the US.) [more inside]
posted by scarylarry on Mar 13, 2013 - 8 answers

Biopsy Now?

The situation: My work-related insurance coverage for my daughter ends May 1. She has found a lump, which the docs want to watch for 6 months and then decide about a biopsy. She is 22 and our first thought, before this news, was to allow her to be uninsured through the Summer. [more inside]
posted by Danf on Feb 26, 2013 - 21 answers

How do I get my doctor to pay up?

Short version: Outpatient facility acknowledges they owe me money but has not paid up. Their eternal answer is "The check will go out Thursday. We know it was supposed to go out last Thursday but it will go out this Thursday. Promise!" It's been over a month now, and I've called several times a week. How do I get my money back? More details inside if you want them. [more inside]
posted by rednikki on Feb 26, 2013 - 10 answers

Is there a good reason to renew our home warranty?

My boyfriend and I bought a house together last April, which so far has proven to be pretty good idea. Along with the bazillion other really expensive things involved in buying a house, we purchased both homeowner's insurance and a home warranty shortly before the close of escrow. I might have been misunderstanding the legalities of everything, but I remember somehow arriving at the belief that both homeowner's insurance and a home warranty were required for the first year; however, renewing the warranty was optional. [more inside]
posted by jesourie on Feb 21, 2013 - 18 answers

Car Rental -- My Own Insurance or Hertz's?

I am going to Kona (yay!) and renting a car for just under two weeks. When I get to the counter, I want to avoid my usual confusion, and random behavior, when dealing with insurance coverage. [more inside]
posted by Danf on Feb 3, 2013 - 16 answers

Call the town now or wait for insurance?

During a windstorm, a tree fell on our detached garage last night and destroyed it (no cars were in it, but the roof is completely caved in and the walls are buckling). We live adjacent to a public high school, and the tree was/is on the school's property, not ours. I filed a claim with our homeowners insurance already and asked if I should call the town directly or if the insurance folks should do it. The call center person I spoke to recommended that I wait. The claims adjuster is supposed to call "before tomorrow evening." I'm feeling antsy. Should I just go ahead and call the town? Would I be letting myself in for any potential foul-ups in reimbursement (either from insurance or from the town)?
posted by dlugoczaj on Jan 31, 2013 - 6 answers

Should I maintain renter's insurance even though I've moved out?

I moved out of my apartment, but am still on the lease, which extends for several months. I have "transferred" my renter's insurance policy to cover property and occurrences at my new apartment. This leaves me uncovered at the old place. Does this matter? [more inside]
posted by QuantumMeruit on Jan 29, 2013 - 6 answers

Out-of-network midwife less than deductible - still bill insurance?

My chosen midwife is out-of-network for my insurance company. She also costs less than the deductible for out-of-network providers. Should I still bill my insurance company? [more inside]
posted by jillithd on Jan 28, 2013 - 5 answers

I could always publish my EOB as a found Novel...

I have been in treatment for cancer for a very long time now, as I have discussed earlier in answers on the green. This is not a cancer question, however, but an insurance paperwork question: specifically, do I need to keep it all? [more inside]
posted by pickypicky on Jan 20, 2013 - 6 answers

Deciphering individual health insurance plans

I'm trying to figure out the best choice for individual health insurance for myself, and I'd like to have it pay for my currently-out-of-pocket therapy, but I have questions about how this works. Does therapy count as an "office visit"? Do I actually want insurance to cover therapy? (I'm in the US.) [more inside]
posted by mysh on Jan 17, 2013 - 10 answers

Another "No Health Insurance" Question

No health insurance, no primary care doctor, really low on cash (no credit card/no bank account) need a prescription filled. What now? [more inside]
posted by patientpatient on Jan 4, 2013 - 23 answers

How do I rent a car?

What do I need to know to rent a car? [more inside]
posted by hoyland on Jan 2, 2013 - 25 answers

Is my insurance agent giving good advice?

I was in a car crash today that seems pretty straightforward, but my agent called with a proposition I hadn't expected, and I don't know what's best. [more inside]
posted by Ickster on Dec 19, 2012 - 24 answers

Please advise on car insurance issues after an accident.

A guy hit my car parked on the street in Cambridge, MA, causing some damage (to the car only, I wasn't around). He left a note. I called him and he wanted to bypass our insurance providers. Please advise. [more inside]
posted by A dead Quaker on Dec 16, 2012 - 35 answers

iPhone me--which model do I need 4, 4S, or 5?

iPhone me! --which model do I need: 4, 4S, or 5? [more inside]
posted by calgirl on Dec 13, 2012 - 43 answers

COBRA coverage for someone who has already died

What do I do when a person is eligible for COBRA insurance but has passed away before getting papers and signing up? [more inside]
posted by meowzilla on Dec 8, 2012 - 4 answers

Is the new insurance company pulling a fast one?

US-InsuranceFilter: How do I know if an insurance plan is grandfathered under the new ACA "coverage of young adults" policies? The insurance company is acting like it is, but won't answer direct questions about being grandfathered. [more inside]
posted by Nonsteroidal Anti-Inflammatory Drug on Nov 29, 2012 - 8 answers

is this how it's supposed to work?

Am I wrong about how primary care vs. specialists works or is my doctor's offfice badly managed? [more inside]
posted by Jahaza on Oct 23, 2012 - 22 answers

Disability benefits in Canada

In Canada, what kind of (government) disability benefits can a separated, self employed person qualify for and how? [more inside]
posted by Chaussette and the Pussy Cats on Oct 1, 2012 - 15 answers

Who insures foreign drivers in the USA?

We are on a 7 week road trip through the USA. I have a California driver's licence and own the car. My wife has an Australian driver's licence. I'm having trouble putting her on the insurance as a driver with AAA and I have contacted several other insurers who won't take on the risk. Plenty of googling has come up empty? Is there an insurer who is worth calling?
posted by dinoworx on Sep 12, 2012 - 12 answers

Renter's Insurance in California?

Renter's Insurance in California? [more inside]
posted by rainbowbrite on Aug 15, 2012 - 6 answers

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