1634 posts tagged with insurance.
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Health Insurance

How do I get my spouse on Premera health insurance and drop Apple Health [more inside]
posted by stepup on Mar 28, 2016 - 1 answer

Car insurance, Ontario edition

(Asking for a family member). They were rear-ended in someone else's car, as a passenger, in February. The insurance of the driver of the car she was in has told them that claims (for physio etc) need to go through their soon-to-be-ex-spouse's insurance--they separated in September. My family member said that the insurance adjuster used a specific word they can't remember, but that essentially as a married (on paper) person, the spouse's insurance takes precedence. [more inside]
posted by feckless fecal fear mongering on Mar 15, 2016 - 8 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

New Zealand Salary Deductions

In the UK an employee's salary is subject to deductions – national insurance, income tax at varying brackets etc. How does this compare to New Zealand? [more inside]
posted by stackhaus23 on Mar 12, 2016 - 13 answers

Walk me through the process of dealing with my health/fertility issues?

I don't get my period and I need to change that. [more inside]
posted by ohsnapdragon on Mar 11, 2016 - 30 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

Hypermobility and joint pain

I've never gone to a doctor for anything like this before. Please walk me through the steps. [more inside]
posted by anonymous on Mar 9, 2016 - 7 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

Social Security Deluge

My wife is turning 65 in a couple of months,, and is receiving a deluge of offers and advertisements for private companies offering drug plans, part D coverage, supplemental coverage, part B coverage, etc, etc, etc, etc. On a daily basis. It's overwhelming. How in the hell is anyone supposed to make sense of this shit and make an informed decision?
posted by pjern on Mar 5, 2016 - 10 answers

Construction Company Canvassing Neighborhood

A few weeks ago a salesman came through my neighborhood offering to do work that would be paid by my homeowners insurance. After he came through I saw a few of my neighbors with signs in their yard advertising work being done by this company. I begged off when he came to my door. My question is, when a company is offering to do work that supposedly will be paid by the homeowners insurance is this a legitimate claim or is this guy doing something shady? I am a new homeowner so this is new to me.
posted by zzazazz on Mar 4, 2016 - 10 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

Help me find insurance

Demographic info: Male, 31, Oregon Complications: Semi chronic joint problems, somewhat unstable employment [more inside]
posted by 0bs01337 on Feb 18, 2016 - 5 answers

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 - 7 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 - 12 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

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