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Did my insurance company give me a BS answer regarding a rate increase?

I recently received my renewal notice in the mail for my auto insurance policy. The premium (for the entire year) increased by almost $100. I called my insurance company to find out why, and my BS detector is going off. [more inside]
posted by tckma on Jul 21, 2014 - 15 answers

What happens after a bike accident?

My husband got doored on his bike. There was a police report, the guy who hit him stayed on the scene and was actually on the job (delivery) when he opened his door into my husband, who was in the bike lane. The driver did have insurance and presumably the company insures, too. What happens now? [more inside]
posted by juniperesque on Jul 19, 2014 - 22 answers

Neighbors, drunk driving, and car damage - what to do?

How to get our unemployed and non-insured neighbors to pay for car damage? Our downstairs neighbors (we split a house) are borrowing an (uninsured) car from their friend over the summer. After getting super drunk early Mon, they somehow barrelled out of the garage, hitting our car and (we think) another car parked in the street. They didn't confess to hitting our car until we approached them with evidence and long after I had already filed a hit-and-run report.... [more inside]
posted by ch3ch2oh on Jul 9, 2014 - 34 answers

What phone/data plan is best for me?

I've long been with AT&T simply because it worked well and the cost of moving was a deterrent. After (naively) getting insurance after a stolen phone a few months ago, by latest phone was water damaged. Considering I've gone 10+ years without losing or missing a phone I never needed it insured. At the store, without looking at the contract I was told the deductible was $50, instead it is actually $200. This is enough to make me leave and pay a fee. Considering I like my iPhone and don't want to switch what's my best option (usage details within). [more inside]
posted by geoff. on Jul 7, 2014 - 10 answers

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

How long after getting private health insurance can you get surgery?

I need a jaw surgery and I haven't had any insurance for the past year. I was thinking of paying for individual private insurance, but I've never had to get surgery before so I don't know if there will be restrictions to my getting surgery right after signing on to a policy. What would you recommend and what kind of insurance should I get? I'm generally a healthy person so I barely ever used my insurance back when I had it. I really don't know anything about this stuff.
posted by olivetree on Jul 1, 2014 - 7 answers

Bumped a neighbor's house over 2 yrs ago, now an insurance claim looms

I bent the metal railing and caused some cracks in the brick staircase. After talking with the owner of the house, nothing was done for over 2 years. Now the owner is considering a repair and has told me that he's gotten quotes for $4000. How should I respond to this situation to both protect myself and take responsibility for my actions? [more inside]
posted by cubby on Jun 29, 2014 - 15 answers

Will health insurance still pay for my baby's doc band if we stop early?

The provider of my baby's flat head fixing helmet submitted an insurance claim but it has not yet processed. If we quit treatment, will the provider tell the health insurance company? Will we have to pay the full amount out of pocket? [more inside]
posted by echo0720 on Jun 26, 2014 - 12 answers

Nannies/Caregivers/Families: how do you handle car insurance?

I'm currently applying for nannying jobs and have been informed by my car insurance company that my policy does not cover me if I am transporting a client in my car, and that they do not offer coverage for business purposes. They gave me contact information for their parent company, who might be able to help, but the parent company is not available until Monday. I'm in California, if that matters. [more inside]
posted by corey flood on Jun 21, 2014 - 1 answer

Settling after an accident

How do I negotiate an accident settlement without getting taken advantage of? [more inside]
posted by anonymous on Jun 18, 2014 - 21 answers

Sewage Backup. Insurance Questionable.

We had a sewage backup - we live in a townhouse, on a slab. (Two neighbors got hit, too.) My homeowners insurance covers rain, flooding, and roof problems, but not sewage. However, the cause of the backup was not our toilets - a branch dislodged on our shared roof and sent down a swimming pool full of water, which overwhelmed the sewer. Insurance is... confusing, demoralizing. [more inside]
posted by juniperesque on Jun 16, 2014 - 10 answers

Need low cost mental health care in phoenix, Arizona

I need to find a psychiatrist/therapist/someone who can prescribe and treat chronic anxiety and panic in the Phoenix area, preferably at low cost/sliding scale. [more inside]
posted by anonymous on Jun 11, 2014 - 3 answers

Car insurance for someone who doesn't drive

My mother wants to give me her car so I can insure it for her - is this insurance fraud? [more inside]
posted by chocolatepeanutbuttercup on Jun 10, 2014 - 17 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

Two-party check from insurance co: When do I give it to the repair shop?

I got into an accident last week, and my insurance company is mailing me a two-party claim payment check (for ~$6000) to give to the repair shop. I'm wondering when exactly I hand over the check. [more inside]
posted by Maladroid on Jun 5, 2014 - 10 answers

How do I insure a newborn on short notice?

We just found out the baby we're having any day now is probably not eligible for medical care at birth on her mother's insurance plan. Help! [more inside]
posted by The Winsome Parker Lewis on May 22, 2014 - 17 answers

Filling out an insurance form given a lot of flux

What do I put on a car insurance quote form? I am moving (NJ/NY/CA), changing jobs, and going through at least 3 unique stages of driving frequency/behavior over the next few months. And it really feels like most of this isn't the insurance company's business. But clearly I need to put *something* in each field. :) Help? Here are my facts, what parts of this should be put into the form? Work 1) I've worked full time in NY for just over a year now 2) I am unemployed between now and the end of June and for most of August 3) I have a full time, residential job in NY during July 3) I'm interviewing for jobs in CA that will begin in late August/early September and have already gotten at least one offer. But I haven't made the choice yet and won't for at least another month. Location 1) I've lived in NJ for just over a year now 2) I'm buying a used car from a friend in NC (my home state) next week 3) But I'm moving to CA and the car will be parked in CA starting in July 4) I myself will be in NY for the duration of July 5) I will begin renting and driving in CA in August Driving Behavior 1) Between June 1st and June 30th, I'm doing quite a bit of inter-state driving, although not all at once. 2) I'm parking the car and not driving it at all in July 3) I'm using the car to commute in CA in August and beyond [more inside]
posted by ch3cooh on May 20, 2014 - 4 answers

Insurance for a New Baby?

We're expecting our first in a few weeks! How and when do we get insurance coverage for the little one? [more inside]
posted by mmmbacon on May 20, 2014 - 14 answers

Do I need stacked uninsured motorist coverage?

I'm trying to lower my car insurance rates and the rep with my insurance company suggested I drop stacked uninsured motorist coverage because I already have health insurance. I understand how the stacked coverage works but it seems redundant to carry it if I have heath insurance coverage. Am I misunderstanding how UIM coverage works?
posted by photoslob on May 16, 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

Budget Insurance or Scammy Scammeroni?

We've identified a couple of insurance companies that will give us equivalent home insurance for about half what we're paying now. They're not national name-brand insurance companies. Would we regret that money saved come the next hurricane? [more inside]
posted by Andrhia on May 14, 2014 - 5 answers

Shopping for new home and auto insurance

I'm working with an independent agent to purchase home and auto insurance. The agent has come back with a quote from Vermont Mutual, a company I'm not personally familiar with. Other than searching NAIC and AM Best, what are best practices for vetting an insurer? [more inside]
posted by Admiral Haddock on May 13, 2014 - 1 answer

Tips and Traps: Supplemental Long Term Disability Insurance?

I have some long-term disability insurance through my employer. I'm thinking I'd like to supplement this with some additional LTD insurance I buy on my own. I have a couple of quotes from highly rated insurers through a broker I like. What should I be looking for when comparing these quotes? [more inside]
posted by Admiral Haddock on May 6, 2014 - 2 answers

Can and/or should I make a car insurance claim ā€” or not?

Our relatively young car (~1 yr) has collected a bit of damage over the past year. One bit of damage is a dent which is starting to rust, so it needs to be dealt with in a body shop. The dent was not our fault, but the result of a parking gate that closed early. We also scratched the car elsewhere in a few places. Those scratches are substantial and our fault, and they also require professional work. We would like to know if making an insurance claim is an option or if we must (or should) pay on our own. [more inside]
posted by anonymous on Apr 29, 2014 - 5 answers

Can I get 1 month of short term health insurance for May in NY state?

I need health insurance ONLY for the month of May. But the new health exchange market place in New York state only allows me to sign up now for June 1 and beyond. [more inside]
posted by lockedroomguy on Apr 29, 2014 - 5 answers

I don't want it, I just need it.

Please help me mitigate/cope with my feelings about doctors/insurance and have the best visit with a general practitioner that I can after 10 years of being uninsured. This way lies snowflakes. [more inside]
posted by koucha on Apr 28, 2014 - 39 answers

Pay out of pocket for preventative care?

Colon Cancer scare in my family. My health insurance won't cover a colonoscopy because I'm too young and have no symptoms. Should I shell out the $1000 - $3000 this could cost me to get checked? Gratuitous YANMD. [more inside]
posted by ashtabula to opelika on Apr 25, 2014 - 26 answers

Auto accident insurance question and diminished value

Auto accident insurance question and diminished value [more inside]
posted by anonymous on Apr 23, 2014 - 3 answers

Third party liability insurance in Canada!

My girlfriend (who is from the US) is going to Canada to do a mural in a hotel and they require her to have 3rd party insurance/liability insurance. She is only going to be there for a week and she's only making $1000 for the project so she doesn't want to spend all her money on insurance. Do any of you know of a cheap and quick way to get temporarily insured in Canada? [more inside]
posted by cloeburner on Apr 17, 2014 - 5 answers

Health insurance woes

My last job had health insurance through a certain company I'll call WORST COMPANY, and they capriciously decided to be assholes about pre-certifying a surgery that my husband needs, as per my husband's surgeon (the surgeon is ready to go, he's been treating my husband for this condition for years now, and he says this is what's required. We've done all the conservative measures and they didn't help). We were fighting with them for almost a year and it was a whole big thing including trying to appeal to the state (which didn't work because then we found out my then-employer had a self-insured plan). It's a long story but please take my word for it that it was capricious and not our fault. I just got a new job and thought "Thank god, we'll start over with someone else." Except my two options are a high-deductible plan through OKAY COMPANY and a regular PPO through...........WORST COMPANY. [more inside]
posted by bleep on Apr 16, 2014 - 9 answers

What do to after losing job in Ohio: health care, unemployement, etc..

A good friend has been fired from her low paid private school job in the Cleveland Ohio area and is looking for advice on what she needs to do in the short term. She works in a somewhat hard to find work in field (music therapy for children) She's in her mid 40s and is single, no dependents. Her health insurance will run out at the end of this month. Her salary is perhaps 30k, maybe lower. She has no savings but family in the area who will likely help w/ rent, etc.. but they are limited as well in what they can do financially to help her as they are retired on a fixed income. What are concrete steps she should take in order to make sure she has: health care (medicaid? ACA exchange insurance since she had a qualified life event?) unemployment insurance (what separation reason should she ask for for her employer NOT to fight this?) food stamps (if they exist any more for single people) links to possible sources of jobs in her field Anything else? Thanks!
posted by bottlebrushtree on Apr 15, 2014 - 10 answers

My girlfriend's insurance ended, how to get psych meds?

My girlfriend just recently found out that she was dropped from her insurance. She signed up for an ACA plan, but coverage doesn't begin until the first day of May. This is a problem, because she's on several psychiatric medications that are either pivotal in allowing her to function, have terrible withdrawal symptoms, or both. [more inside]
posted by Two Stranger on Apr 15, 2014 - 23 answers

Can I get better insurance than employer offers?

My husband's new job only offers one plan: a high deductible plan with $5,000 and $10,000 deductibles. We both have chronic illnesses with lots of medications and several doctors. We cannot afford to pay out of pocket for everything. What can I do? [more inside]
posted by threeturtles on Apr 7, 2014 - 19 answers

I messed up and it can't be fixed. Now how do I explain?

I work in benefits and messed up the life insurance amount for someone who died. Please help me figure out how to communicate this error to the beneficiary and upper management in the best way possible. [more inside]
posted by anonymous on Apr 2, 2014 - 10 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

Out-of-network limit for health insurance

I am trying to pick between two health plans. The higher deductible plan makes more sense for me except for one thing ā€“ there is no out-of-pocket limit for out-of-network treatment. This seems like a big flashing warning sign to me, but Iā€™m not sure how avoidable out-of-network care is. For example, would being taken to an out-of-network hospital after a car accident start triggering unlimited expenses that I would be entirely responsible for? Is this a plan I should stay away from?
posted by parallellines on Mar 25, 2014 - 12 answers

...is she dead?

How to handle insurance when your doctor/therapist goes AWOL? [more inside]
posted by dekathelon on Mar 24, 2014 - 8 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

Where can I find the best price on Advair diskus without insurance?

tl;dr: Advair is no longer covered by our insurance so we'll be paying out of pocket. If you're in the same boat, where have you found it for the best price in the US? Please don't recommend online pharmacies based simply on Google, I'm looking for personal experience. I read this question, but it is 5 years old and a lot has changed in the US medical landscape in that time. [more inside]
posted by superna on Mar 14, 2014 - 8 answers

Can I negotiate this Kaiser bill?

When Obamacare happened my private pay insurance coverage changed, but I didn't really pay attention to how. After a trip to the ER last night and to the pharmacy this morning, I now know that I have a very high deductible plan. $250 ER copay (full bill to follow), $530 for two prescriptions. Meanwhile, I'm wondering if I have any room to negotiate the bill for the ER visit, especially if I am about to go to a more costly (for me) plan. Have you ever negotiated a Kaiser bill, or another HMO bill? Specific advice on how to pitch this or if it's even possible sought. [more inside]
posted by latkes on Mar 12, 2014 - 14 answers

Health insurance question

What is the difference between "Allowed Amount" and "Co-pay" on an Explanation of Benefits? [more inside]
posted by fozzie_bear on Mar 10, 2014 - 5 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

Where have all the patients gone...

I work at my local County Hospital and for the last two weeks we've had a very low census. I hear rumors that the local Giant HMO and local For Profit Hospital Chain are packed right now. I also know one Local For Profit but Independent and Unaffiliated Hospital is at risk of closing right now because of extremely low census. So for folks who actually work in hospitals (and clinics?) are you seeing a change in number of patients since Obamacare started? [more inside]
posted by latkes on Mar 3, 2014 - 6 answers

Should I file a grievance with my health insurance for midwife's bill?

I used a midwife throughout my pregnancy but ended up with an emergency c-section. My insurance company has denied part of the claim leaving me about $3,400 poorer. I'd like to recoup as much of this as possible from my health insurance but I'm not sure the best way to go about it... [more inside]
posted by hibbersk on Feb 28, 2014 - 12 answers

Do I need to mind the gap?

Now that I'm on a group health insurance plan, do I have to pay the last month's premium for my individual plan or can I leave a gap in coverage? [more inside]
posted by raisindebt on Feb 24, 2014 - 4 answers

How can 4 freelancers/entrepreuners buy affordable liability insurance?

Three friends and I teamed up to rent a small commercial office space to use as a shared office, as we've tired of working at home or in coffee shops. We've signed the lease and moved in. I've been tasked with finding liability insurance, but having trouble as the insurance companies don't know what to make of us. I'm hoping Mefites may have creative solutions. [more inside]
posted by lukez on Feb 21, 2014 - 5 answers

Is there any reputable car rental to be found in Cancun?

I'm flying into Cancun in the next few days, and since I'll be travelling south from there, I'm interested in a rental car. Please help me not get ripped off. [more inside]
posted by speedgraphic on Feb 20, 2014 - 3 answers

Should I renew my life insurance policy?

My parents bought whole life insurance when I was born and it needs renewed. I was going to let it lapse, they want me to renew - do I really need life insurance? [more inside]
posted by lpcxa0 on Feb 20, 2014 - 18 answers

Getting our shit at LEAST in a diaper or something

OH HAY it's another prenatal question. Pursuant to getyourshittogether.org, I am trying to put those pesky ducks in a row before August. What kinds of documents, topics, etc. should we include in an estate plan et. al.? And what should we add (e.g. life insurance) to solidify things a bit more in case of Bad Things Happening? [more inside]
posted by Madamina on Feb 18, 2014 - 14 answers

Help me navigate the basics of the mental health system

My only real experience with mental health practitioners was a brief stint with my free university counseling where I tried one or two medications for anxiety and depression. They didn't do anything for me and I became disheartened and left the idea behind for the past few years. Having gotten health insurance for the first time a few months ago and after some recent introspection, I've found myself interested in possibly trying some anti-anxiety/depression medication again, as well as some sort of ongoing psychotherapy. [more inside]
posted by gregoryg on Feb 18, 2014 - 5 answers

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