1572 posts tagged with insurance.
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Ideas for reducing health insurance costs in the UK

My elderly parents health insurance costs have now become unaffordable. Are there any ways of reducing this cost without significantly reducing the coverage currently offered to them? [more inside]
posted by fernbritton on Feb 7, 2016 - 13 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

Medical Insurance Fraud

A friend from out of state (US) has asked if they could use my address to be considered to be in my city's insurance network, thereby saving them a lot of cost. I realize this is insurance fraud. I'm going to turn them down, but what would be the potential ramifications if I didn't?
posted by ElectricGoat on Jan 30, 2016 - 9 answers

Maintaining An Out-Of-State Health Insurance Policy

I used to live in CT, where health insurance is cheap and great. A couple of years ago, I moved to NY (state, not city), where coverage is expensive and lousy. So I've maintained my old CT policy (Anthem), using a home address that's actually a mail drop. Am I living dangerously? [more inside]
posted by Quisp Lover on Jan 29, 2016 - 13 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 - 6 answers

Travel insurance in the case of pet illness

Is there a travel insurance that allows for cancellation in case of pet illness? [more inside]
posted by greta simone on Jan 20, 2016 - 4 answers

What travel insurance should I buy, if any?

I'm an American who has moved to the UK. Should my spouse and I get insurance for travel to the US (and other countries)? If so, do you have recommendations? [more inside]
posted by ddbeck on Jan 20, 2016 - 13 answers

NY Medicaid woes

When I turned 26 a few weeks ago, I was summarily dropped from the health insurance my mother gets through her job ( I was eligible to stay until 26 b/c of a disability). Now, I'm facing a nightmarish bureaucracy trying to get enrolled in managed care before the 31st. Help me shovel some snowflakes out of my way so I can actually do this right. [more inside]
posted by marsbar77 on Jan 19, 2016 - 10 answers

How likely am I to be given an exemption to the ACA penalty?

I did not have health insurance for the last 8 months of last year. How likely am I to be granted an exemption to the penalty I'd normally face when it comes time to file my taxes? [more inside]
posted by Venadium on Jan 19, 2016 - 6 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

Health Savings Accounts - How do they know which expenses are qualified?

Specifically, how can I be sure that my medication purchases at the grocery store are properly tallied as 'qualified expenses?' More generally, how does the IRS keep track of your purchases using funds from an HSA? What's to stop someone from using their HSA to pay for non-medical expenses? [more inside]
posted by lalunamel on Jan 10, 2016 - 13 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

Is vacant apartment insurance even a thing?

Does anyone offer short term coverage for vacant apartments (in Indiana if it matters)? [more inside]
posted by Krop Tor on Jan 3, 2016 - 7 answers

Covered by both my insurance and my husband's?

I'm a dependent on my husband's health care (Blue Cross). I'm also covered at work (Kaiser). Should I cancel my work coverage to avoid paperwork nightmares? [more inside]
posted by slidell on Dec 29, 2015 - 19 answers

Looking for good plans on the Maryland Health ExchangeMy

My son is currently using NY State health insurance on the A.C.A. (Exchange). He is now staying and working in Maryland and I just went on their Exchange website and I see that the premiums seem to be far lower than they are in New York State... [more inside]
posted by DMelanogaster on Dec 19, 2015 - 0 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 - 11 answers

Taking a 6 month sabbatical. Travel insurance? Regular insurance?

I'm planning to travel for 6 months (France for 3, then who knows) and will not have insurance through work. It's been difficult navigating all the options. Will I need travel insurance in addition to regular insurance? 29yo, located in CA, USA. [more inside]
posted by just.good.enough on Dec 9, 2015 - 13 answers

How do navigate insurance with hospital staff?

I need to get an MRI and my insurance wants my doctor's office to send them a notification, otherwise I'll be subject to a financial penalty. However, I'm not sure my doctor's office knows how to file one of those, and I'm fairly new to medical/insurance snags, and so don't know how to proceed. [more inside]
posted by anonymous on Dec 8, 2015 - 7 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

U.S. Health Insurance and HSA Accounts

Looking for some feedback on what combination of U.S health insurance combined with an HSA you use. We're looking to reduce costs. [more inside]
posted by misterpatrick on Dec 2, 2015 - 7 answers

YANML but should I get one? Condo Nightmare edition

Up until now I've been blissfully ignorant of the workings of homeowner's insurance and condominium law. Now I have no ceiling and I need some help from someone more knowledgeable than me. [more inside]
posted by Brain Sturgeon on Dec 1, 2015 - 12 answers

Are benefits for me & my wife really cheaper as individuals?

I got married recently. Now we're working through the Life Event Change processes of our respective companies. Here's the puzzler: If I'm reading this right, at my company, Medical is $90/month for myself, $300 for myself+spouse. At my wife's company, it's almost the same. This implies that it would be cheaper for both of us to be insured separately than together. What am I missing here?
posted by Mushroom12345 on Nov 30, 2015 - 20 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

How can this cost so much?

Medically billing question: did I cost myself big by not asking enough questions, or was this doctor acting unusually? [more inside]
posted by R a c h e l on Nov 14, 2015 - 20 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

How much to claim for movers' furniture damage?

I've recently moved and my great-grandmother's dresser now has some significant new chips and one thing I'd call a gouge. :( The claim form from the movers says you can request a repair--or put down an amount of compensation you want. [more inside]
posted by bradamant on Oct 25, 2015 - 8 answers

Do I need a waiver form for small bicycle race?

I am gonna host a bicycle race on some pasture that I own. The first edition will only involve 6-12 persons, but if it is fun (it will be), I'd like to expand/make it a regular (monthly or quarterly event). Do I need a waiver form for participants to sign, do you think? Is this kind of form easy to generate/find? This is in Kansas. I have homeowners and farm insurance. YANML.
posted by J0 on Oct 21, 2015 - 13 answers

Options to be covered for liability while teaching a class?

YANML. I have been asked to teach a couple classes to Homeschooler's, organized by another mom and taught at the local Community Center. I asked the woman organizing if the Recreation Center will cover liability if a kid gets hurt...trips and falls or whatever. [more inside]
posted by 101cats on Oct 20, 2015 - 4 answers

Was rear-ended last week and my car is damaged. Insurance questions

I was rear-ended on the highway last week while sitting in traffic. Neither myself nor the other driver was injured but there was damage to my car. The other driver and his insurer (State Farm) have accepted full responsibility without question, as I was stopped and he hit me. There was no police report. I haven't had to involve my insurance as I wasn't at fault (per myself, per the other driver and now also per his insurer). [more inside]
posted by rbf1138 on Oct 19, 2015 - 16 answers

Car accident with neighbor: what do I do in this complicated situation?

Last month I hit a neighbor's parked car. Since then, I've let the insurance company handle it, but the neighbor has reached out to me several times, and I'm not sure how to respond. Details under the cut. [more inside]
posted by anonymous on Oct 18, 2015 - 23 answers

I think I've been unwittingly an accomplice to insurance fraud. Help.

An in-network doctor works at an out-of-network practice, and chose to bill me as out-of-network so the insurance company paid more--but she also didn't bill me anything. I feel weird. Now what? [more inside]
posted by anonymous on Oct 13, 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

Renters insurance that acts more like car insurance

I was wondering if anyone had any tips for finding a renters insurance provider that is as straightforward as car insurance. [more inside]
posted by bleep on Oct 2, 2015 - 12 answers

Home insurance

Is Safeco legit? Also, homeowners insurance unsolicited advice welcome. [more inside]
posted by latkes on Sep 17, 2015 - 15 answers

Who is responsible for what in a condo water leak situation

My refrigerator has been leaking water for weeks to months now. Water damage to my downstairs neighbor's ceiling. Who is responsible for what? [more inside]
posted by anonymous on Sep 15, 2015 - 9 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

Please tell me more about the homeowners insurance claim process

‎ A developer structurally damaged my house and after lengthy attempts to get him to fix it I contacted my homeowner's insurance company (allstate, if it's relevant) . They are willing to cover it. An engineer and contractor came out with the insurance company adjuster and I recently got the engineer's report and the contractors estimate. Now what?    [more inside]
posted by sepviva on Aug 28, 2015 - 2 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

Returning equipment to Apria for refund

My doctor prescribed a CPAP earlier this year, and my insurance at the time covered a rental for three months, at which the unit would be "mine". The three months ended in May, and I happened to change jobs at that time. [more inside]
posted by NYC-BB on Aug 25, 2015 - 6 answers

Fire in apartment below--rebuilding/insurance questions

[Asking for a friend] My building had a fire last night, on the floor below mine. I have middling fire damage at baseboard level in both bedrooms, both of which will be uninhabitable until the damage is ripped out and redone. All my windows are broken and glass is everywhere, but aside from the above stuff and the overwhelming odor of smoke and my broken-down front door, there is no other (water or fire or smoke stain) damage to the apartment. This is in NYC, and I have no renter's insurance. [more inside]
posted by grobstein on Aug 22, 2015 - 9 answers

Are there any good no-fee HSA providers?

I'm in Washington State with a Premera Blue Cross HSA HDHP. I'm maybe, finally, in a position to start funding an actual health savings account, not just pay my household's premiums (~$400/mo for two people) and treat my insurance as a lame catastrophic plan. I'm having trouble finding a good account provider, though, and would like some recommendations. [more inside]
posted by anonymous on Aug 21, 2015 - 4 answers

Short term RV insurance needed

I'm going to TTITD, and a friend is offering me use of her very cool RV (for which I've offered to pay a somewhat below fair sum). The problem is, how do I get insurance for a short period of time? [more inside]
posted by overhauser on Aug 19, 2015 - 6 answers

Dog and Homeowner's Insurance

We'd like to adopt a dog, but are confused about the possible effect on our homeowner's insurance, and would love some input. When we selected our policy, our insurer let us know that there were certain breeds of dogs that "could change our rates or coverage" but that the details would vary depending on the dog. Obviously, we will talk to our insurer, but we'd like to get a feel for the options and experiences of other people first. [more inside]
posted by cimton on Aug 16, 2015 - 15 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

Navigating hail claims on two cars, not alike in dignity

Both our cars got hit by hail damage this summer. I've filed the claims and just got back from the adjuster's estimate for the newer car. We've never lived in an area with frequent hail damage before, so I'd appreciate advice on how best to proceed. [more inside]
posted by deludingmyself on Aug 11, 2015 - 3 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

Is this category C write off all above board?

My car was rear ended recently, but as it's too old I get to keep the car... and the money? [more inside]
posted by Cannon Fodder on Aug 6, 2015 - 10 answers

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