254 posts tagged with insurance and resolved.
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House Insurance - Should I increase my replacement costs?

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?
posted by ITravelMontana on Aug 28, 2016 - 4 answers

Can I get MS prescription filled before losing my insurance plan?

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]
posted by fumbducker on Aug 1, 2016 - 12 answers

two weeks = nine months, to lawyer up or no?

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]
posted by The Noble Goofy Elk on Jun 14, 2016 - 15 answers

Insure my laptop -- against myself?

Can I insure a computer against my own foolishness, e.g. spilling a glass of water on it? [more inside]
posted by LonnieK on Jun 11, 2016 - 11 answers

High-deductible health insurance plan: Who do I pay?

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]
posted by mochapickle on Jun 3, 2016 - 16 answers

How long should insurance take to finalize an auto damage estimate?

I was hit by another driver, who sped off and likely won't be caught (no plate). I have coverage for this but it took nearly three weeks for my insurance company to approve the estimate from the shop. The first adjuster assigned to the claim wasn't local to the area and tried to do everything by phone/email and the company wasn't particularly communicative about the process. Is this run-of-the-mill feet-dragging for insurance companies or does mine suck? [more inside]
posted by DyRE on May 26, 2016 - 9 answers

Questions about Medicaid in Illinois

I'd love to hear what it's like to be moved from private health insurance to medicaid in Illinois. [more inside]
posted by InsertNiftyNameHere on May 11, 2016 - 3 answers

rear-ended: go through insurance or not?

Today my husband and I were rear-ended. The only visible damage is a bit of paint from her license plate on our bumper. (Though my husband thinks there could be other damage behind the bumper that we cannot see). [more inside]
posted by bookworm4125 on May 7, 2016 - 31 answers

Reassess value of house?

I have a house that I bought it in 2000. Do I need to reassess the value? [more inside]
posted by falsedmitri on May 5, 2016 - 5 answers

Responding to persistent personal informaion requests.

To the law people out there: I work for a small company that recently signed up with a new health insurance company. For various reasons I declined the coverage, but I am getting bombarded by requests for personal information. Here's the actual latest message that I received after I informed them that I do not wish to participate: Hi C13, For any employees at Small Company to get health insurance, you need to complete your application. All employees must complete an application, regardless of whether accepting or waiving coverage. [more inside]
posted by c13 on May 5, 2016 - 11 answers

Insurance is billed for procedures I didn't receive

I think my doctor is billing my insurance company for procedures that I did not undergo. Should I do anything about this? [more inside]
posted by Jacen Solo on Apr 6, 2016 - 18 answers

Moving to CA. How do I manage my car that's staying in WA state?

If I obtain a California driver's license will I be able to stay on my dad's insurance? Will I need to update the vehicle registration? And, will I still be able to drive my car in Washington despite having a California license? [more inside]
posted by bettershredder on Mar 12, 2016 - 10 answers

How would you respond to this email

This is not a claims call, but a how are you doing call – as your agent my job is to look after you. I am not getting involved on the claims side of it. I would assume you provided your lawyers info to claims? I don’t have access to that system. I just saw the claim, and was concerned about how you are. It is what we do which is take care of people. If you think this is something you shouldn’t share, then I understand, because I have also been hurt in a accident in the past and know what it is like. My accident ended up paying for my graduate degree. If it was a serious accident, then we should talk about the other protections that you should have in place, such as disability and life insurance. You can’t rely on your employer to take care of you. How do you respond to this email? [more inside]
posted by bigbadbehr on Mar 10, 2016 - 20 answers

HSA funds for treatment w/out submitting to insurance

My friend has been seeing a psychologist, but not submitting the bills to insurance. Can they use their HSA funds to pay the bills? [more inside]
posted by bleep on Mar 6, 2016 - 9 answers

Liability insurance for non-car-owner - difficulty level: Massachusetts

I've called local agents, national insurers, automobile associations, insurance.com, etc, and everyone says they offer non-owners policies but specifically not in Massachusetts. [more inside]
posted by duoshao on Feb 20, 2016 - 15 answers

Trusted Engagement Ring Insurance?

Hello MF! I am recently engaged and need to insure my fiancé's ring. The ring is simple with a 1.2 ct. princess cut stone. The ring is appraised at about 10K give or take. I am looking for advice on which companies AskMeFi users have had experience with as most of the reviews that I have read on jewelry insurance seem negative and most people just have an axe to grind because something didn't go their way. Any success stories out there? Which insurance companies would you recommend? I would prefer a company that specializes in jewelry insurance and not a rider on my homeowners policy. Thank you in advance!
posted by shades on Feb 1, 2016 - 8 answers

Left with a huge diagnostic lab bill

What are my options when faced with a large medical bill? [more inside]
posted by mhz on Jan 26, 2016 - 10 answers

I'm making a travel insurance claim. Do I get my premium back?

The policyholder is Allianz. Just wondering if I include the amount of the original premium in the cost to be reimbursed. I've heard it both ways--just wondering what the standard is. Thanks!
posted by eggman on Jan 25, 2016 - 4 answers

Help me understand my optometrist bill

I just received a bill from my standard annual eye exam. There are two charges on it: EP Comprehensive Exam, and Exam Refraction. It looks like the comprehensive exam was submitted to my insurance (and fully covered), but the refraction wasn't submitted at all. What's going on? [more inside]
posted by csox on Jan 24, 2016 - 7 answers

Last minute insurance question - deadline is tonight

How do you select a plan when you aren't working now, therefore eligible for Medicaid, but expect to be working in the next few months and will make too much money for Medicaid? (Asking for my adult daughter, who is in Illinois.)
posted by zombies puppet on Jan 15, 2016 - 6 answers

Severe car accident & injuries, unquestionable fault - get an attorney?

I am helping a family friend who was in a severe car accident. She is not a native English speaker and has zero experience with lawyers. I have worked with them plenty in a business setting, but never around personal injury. There is no question of fault and she has injuries that will impact her for life. Should we try to negotiate with the insurance company ourselves and save the 30% fee an attorney would take? [more inside]
posted by pock_suppet on Jan 5, 2016 - 22 answers

How to upload info to Covered California website

Howdy. The good news is that I've finally been accepted for health insurance via Covered California. The bad news is that it's for 90 days only because the program needs additional information. I can mail it (nope), fax it (prefer not to) or upload it (yay). Only problem is, the user interface is fairly sucky. I cannot find the mystery link to uploading information. Maybe it's me, maybe it's the site. Either way, would be grateful for a link or explanation if you know how to perform file uploading magic.
posted by Bella Donna on Dec 19, 2015 - 12 answers

Canadian (Manitoba) out of province health insurance?

My stepdaughter and infant granddaughter will be visiting us in Ontario from Manitoba for 2-3 weeks over Christmas. I'm getting conflicting information about whether they need supplementary travel health insurance over and above what their Manitoba Health Card covers with inter-provincial agreements. What is covered? What isn't? How much should I expect to pay for extra coverage?
posted by rocket88 on Dec 5, 2015 - 3 answers

Who Offers Non-Owner Car Insurance in DC?

We are urban homeowners who don't own a car, relying on various car sharing services around town. But we travel, and when we travel we often rent cars. Every time we rent cars, we end up having to pay $15/day for liability insurance. How can we become insured drivers without owning a car? [more inside]
posted by fedward on Nov 17, 2015 - 22 answers

Will admitting fault void my LDW on a rental car?

Returned a rental car recently, had some damage in a crowded parking garage. Seems like the rental agent was trying to get me not to admit fault, but I was dumb and did so. Can they void my LDW by saying it was "reckless"? I'm worried: only light body damage, but will be hella expensive, plus downtime charges, if I'm on the hook.
posted by ArgyleGargoyle on Nov 7, 2015 - 10 answers

Rock Chip Repair Stand VS Personal Information

On the spur of the moment, I swung my car by one of those Free Rock Chip Repair stands in a mall parking lot. Part of the process was taking a phone call from a rep from the Rock Chip company, who had to run my insurance to see if it could be covered. He said that he needed my date of birth and the last 4 digits of my SSN (in addition to my address, phone number, email address, insurance info, etc), or he couldn't check my coverage. I was wary, but gave it to him. Should I have not? [more inside]
posted by churl on Oct 12, 2015 - 4 answers

Should we get a divorce to help with upcoming bills?

Should my wife and I, who still want to be married, get a divorce to better pay some LARGE bills that will be coming? [more inside]
posted by Leenie on Sep 12, 2015 - 21 answers

In search of: Commercial general liability insurance for Web developer

I freelance full-time as a Web designer and developer in NYC. A new potential agency (which could send me a large amount of work with interesting clients on a regular basis) requires that I obtain commercial general liability insurance. They told me this should run about $400 per year. So far I have gotten three different quotes from insurance brokers and all are over $950 though. [more inside]
posted by lgandme0717 on Aug 28, 2015 - 4 answers

So, my partners car got hit when it was parked...

I've read through the previous questions on this. But a ladies daughter with a learners permit hit my partners car while it was parked, and now she just wants to pay cash because she's convinced involving insurance will be a nightmare... [more inside]
posted by emptythought on Aug 11, 2015 - 47 answers

Should I buy car insurance even though I don't own a car?

I live in NYC and haven't owned a car for a number of years now. However, I still drive and am pretty risk averse, so I'm wondering if it would be worth it to get non-owner car insurance of some sort.  [more inside]
posted by holborne on Aug 11, 2015 - 14 answers

How is this healthcare billing scam being run?

For a month now I have been involved in a Kafkaesque nightmare with a local hospital billing department. I am convinced that they have a thief in their employ but I cannot figure out how to convince them of this or to positively make my case. [more inside]
posted by Bringer Tom on Aug 9, 2015 - 22 answers

What to do about a broken tooth away from my insurance area?

I'm visiting my partner's family in Southern Oregon for the next ~3 weeks. Last night, I broke a tooth (my first molar, lower right). I have insurance in Minnesota via the state exchange, but I haven't been able to find anyone here who takes it, or who is willing to talk about it after they find out I have free insurance. I probably need a crown, but is there some temporary procedure I could request for the interim so I don't do more damage/get an infection? Is there some easier way to find dentists besides calling everyone from Yelp/the Yellow Pages? [more inside]
posted by MsDaniB on Jul 16, 2015 - 7 answers

Fix before car insurance declares a total loss?

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]
posted by senterstyle on Jun 23, 2015 - 17 answers

Does COBRA count as a company health plan?

Will the availability of COBRA keep a person from qualifying for a Marketplace plan and/or subsidies? [more inside]
posted by Thorzdad on Jun 22, 2015 - 4 answers

Inhumana

What does it mean when medical insurance applies a negative exclusion amount to a charge? [more inside]
posted by michaelh on Apr 26, 2015 - 8 answers

Reporting a house insurance claim 101

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!
posted by carter on Apr 6, 2015 - 3 answers

risking a 5 day insurance gap?

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]
posted by inevitability on Mar 25, 2015 - 17 answers

Insurance companies for small business liability policies (SF bay area)

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]
posted by ktkt on Mar 20, 2015 - 3 answers

I just got a check for $10k. Can I keep it? YANAL.

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]
posted by sciatrix on Feb 20, 2015 - 16 answers

Can you have two health insurance companies & plans?

Hi MeFi, So a bit of a weird situation here. I was laid off in 2013 and at the end of that year I applied for Obamacare. It took FOREVER to get the application going since the website was awful so long story short, it's early 2014 and I get a job with full benefits. I completely forget about the application for Obamacare and it's now January 2015 and I received a letter from CeltiCare Health saying 'hi, here's your coverage card. you are now insured with celticare...' So now, technically, I have two coverages? One from my employer and through Celticare? How does this work? Should I call Celticare and let them know I already have insurance? What benefits are there to having two? Legal or not? Thanks for your help!
posted by bostonhill on Jan 19, 2015 - 12 answers

I miss my boots.

I recently sent my cherished pair of Frye boots through USPS Priority Mail to the Frye refurbishing center... Now they are missing... [more inside]
posted by hippychick on Jan 8, 2015 - 10 answers

Car registered and insured in two states.

I have a car with a loan I am currently paying that is titled, registered, and insured in Ohio (I am an Ohio resident). I would like to give this car to my grandfather and continue to pay on it, but he is a resident of Michigan. Can I register and insure the car in both states so that he can drive it legally in Michigan?
posted by m3thod4 on Dec 3, 2014 - 4 answers

Who might learn from my parents’ medial insurance woes?

I’m wondering if there’s any academic or research value in the papers my mom kept, documenting her struggles to get a long-term care insurance provider to honour their contract. [more inside]
posted by Banknote of the year on Nov 21, 2014 - 8 answers

Car Insurance When Leaving the Country

My wife and I are moving to another country for 9 months. We're planning on selling both of our cars. As far as insurance goes, if we cancel it when we sell the cars, will there be some kind of penalty when we come back? If so, is there some way to suspend it for nine months? We're planning on buying cars when we get back.
posted by a2a87 on Nov 13, 2014 - 14 answers

Can I get my car inspected in another state?

This question is going to reveal my lack of understanding surrounding car registration, inspection, etc... But here we go. I've moved to a different state. Can I get my car inspected here even though I have yet to register it here? [more inside]
posted by bluloo on Nov 3, 2014 - 13 answers

What if he doesn't want them to pay his medical bills?

Looking for someone who's had this experience to tell me the end of your story: you injured yourself (through personal clumsiness) while at a friend's house, your health insurance paid for your ER visit. Your insurance company asks you "where did this accident occur?" and you reply... something... in the hopes that neither your friend nor your friend's property insurance is held liable. [more inside]
posted by aimedwander on Nov 2, 2014 - 12 answers

What do insurers do with two incidents of negligence?

Let's assume that you caused one fire due to negligence in your home, and then less than five years later you caused another fire due to negligence at the business you own? How would your insurance companies treat/investigate this? Let's also assume this is the second time around for the liability company.
posted by zagyzebra on Oct 26, 2014 - 8 answers

a health insurance gap. a cobra loophole.

I am going to have a health insurance gap between October 31 and December 23rd. That is a time period less than 60 days, and I hear there is a COBRA loophole, and I would like advice about it. [more inside]
posted by millipede on Oct 17, 2014 - 15 answers

Custom glasses for charity?

My vision plan is flooding me with eyeglasses. Can I get creative with donating glasses to charity? [more inside]
posted by darksasami on Sep 13, 2014 - 6 answers

Help me find a house inspector in Phoenix

Anyone have recommendations on a house inspector/inspection company in Phoenix? Currently the house we are buying has had a "relocation property inspection" done by a relocation company (seller is moving away and his company is relocating him along with providing this report). I think we probably need to get a full inspection done, but would like some referrals if anyone has any. Or anyone have any opinions on if another inspection should be necessary? My relator says his inspection guy is $375 and said that in this situation, it maybe worth it to just save the $375 but it was up to me. Thanks!
posted by gregjunior on Sep 8, 2014 - 5 answers

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