[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]
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]
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]
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]
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]
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]
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]
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]
My car was rear ended recently, but as it's too old I get to keep the car... and the money? [more inside]
How do I make sure she doesn't ever benefit from my untimely death? [more inside]
I had blood work done recently. The lab results show five tests, two of which are on the list of free preventative services, implying (at least to me) that I probably shouldn't be paying for them. The EOB from the insurance company lists five items, three of which are describing matching the lab results and the last two are just "laboratory services". Are these actual lab costs or are they hiding the HIV and syphilis tests? [more inside]
Are any of you familiar with or had experience with any health care sharing ministries? We are considering joining one of the plans because of sky-rocketing insurance costs. I'm not necessarily looking for your opinion on the morality part of the plan, which I know several posters will disagree with. I'm looking for actual experience with the plans. Are they reliable?
I live in Montreal and am taking a 1-year sabbatical in the United States (North Carolina). My car will be coming with me. Can I insure the car in NC without importing it into the US? [more inside]
What's the least expensive 20+ year term life policy in the US for a diabetic with no other health issues? Is there anything under $1,000 a year? [more inside]
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]
I'm doing some work for a small but growing nonprofit based in the State of Wisconsin. They are looking into getting Directors and Officers Liability Insurance and asked me if I knew of a good policy provider. The providers I'm familiar with would not work with a group this small (small board, Executive Director, volunteers...donation receipts about $200K+). I'm unsure of how best to vet a provider that I don't have direct experience with...any advice?
Looking to get life insurance. Was wondering which companies to consider? No health issues to take into consideration. Would you recommend term life / whole life? I was thinking of going term life and then converting to whole life later.
I recently lost my healthcare coverage and would like to explore scenarios for obtaining coverage for my estranged wife and the rest of my family. [more inside]
I'm an American woman in my mid 30s. I think I might have ADD or something like it, but I don't understand what the procedure is for being evaluated (/diagnosed, if there's something to diagnose). Where do I start? Far too many details follow, sorry. [more inside]
Yesterday afternoon, while on the job, I was involved in a car accident. I was crossing an intersection when a car ran a red light and slammed into my front passenger side. My car went into a telephone pole. Thankfully there were no serious injuries to either parties however both cars were totaled. Witnesses called the police and a police report was filed. The investigator took the statement of one witness who watched the other car run the red light and hit me. I have a few questions about what happens next to make sure I am taking the right steps. [more inside]
The insurance provided by my former employer ends on July 31 for my partner and me. COBRA is cost prohibitive ($1900 a month for both of us). So, now we are turning to the New York Healthcare Exchange. We need a navigator, but I'm not sure how to find a good one to help us with our snowflakes. Seeking recs and advise. [more inside]
I am not irresponsible! I am a US Citizen who lives in a European country, where I am on state health insurance. We are back in the US for three months, and have temporary, emergency health insurance here. (We are not eligible, as non US residents, for ACA insurance.) I find myself unexpectedly but happily pregnant, with a few more months in the US to go before we return. How do I get prenatal care? [more inside]
I'm having an MRI on my knee late Monday afternoon to see if I might need surgery on a possible cartilage problem. The cost will be a financial hardship, and I have a question about how to discuss that. Also, I got multiple opinions from doctors, and I have a question about how to handle that. [more inside]
My partner was recently in a life-threatening accident, and he went to the closest hospital - which happens to be the only hospital in a 100 mile radius that is out of network for our insurance company. Do we have any recourse? [more inside]
I've been researching by psychiatrists recommended by my doctor and ones who take my insurance. The reviews are terrifying. Anyone have positive experiences with a psychiatrist in Austin who takes Aetna? I can't afford to pay out of pocket...
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]
Have you ever had renter's insurance? What happens when you make a claim? Do you have to have documentation of buying the thing you are claiming? Does your premium go up if you make a claim, and if so, by how much? [more inside]
Will the availability of COBRA keep a person from qualifying for a Marketplace plan and/or subsidies? [more inside]
About a year and a half ago one day, I received about a dozen telemarketing calls in rapid succession wanting to sell me car insurance. I haven't owned a car in about 5 years at that point so I assumed that maybe years and years ago I filled out a form and my information was passed around from lead vendor to vendor and suddenly resurfaced. [more inside]
Two months ago I went to a new doctor for my yearly physical at the recommendation of a friend. I've talked with my insurance provider before and they said that an annual physical is covered and should cost me approximately nothing. So I was surprised when I later got a bill for several hundred dollars. The root of the problem seems to be that the doctor classified everything as diagnostic rather than preventative. My insurance has said they can't do anything unless he contacts them and changes the classification. I have called and emailed the doctor's office multiple times to clear up the issue, but they have done nothing and I am still getting bill reminders for several hundred dollars. What additional action can I take, legal or otherwise, to force this doctor to fix his mistake?
I've come to the realization that I'm stupid for not having renter's insurance. Mainly because I now have a collection of six bicycles that are very dear to me; a couple of them are even custom. I'm looking for renter's insurance that will protect me from theft (in home and out) and if possible, even damage from crashing. Ideally this would also cover the bikes at full value, not some bs depreciation. I'm in San Francisco, CA.
Expats living in London, renting the ground floor flat of a house. We don't have much in the way of high-value possessions aside from laptops, TV, bike, clothing, but we should probably get them covered. Please recommend a good policy or insurance company. [more inside]
In a month or so, I will be buying a used car from a relative in a far away state to bring to New York state (not city). What do I need to do to be in compliance with the law, regarding insurance and registration? I already have a NY state license.
A licensed, insured and bonded contractor (asphalt) performed some work at my home, but due to sloppy work, sprayed tar droplets all over my home, garage door and walkway. I don't think he can fix problem on his own. [more inside]
I managed to scratch my car doors on a parking garage column. Should I use insurance to cover it or pay myself? [more inside]
My mother is retired and disabled, on a fixed income. Every single year she hits the coverage gap (the "donut hole") on her medications, usually by September or October. This leads to the last three months of the year being a scramble of asking for free samples of her diabetic medications from her endocrinologist, and scraping to get by. At her last visit, her doctor straight-up offered to write the prescriptions in my name. My insurance would cover it with a simple copay and no coverage gap. Should I do this? [more inside]
I haven't had health insurance ever since the Obamacare thing went into affect. This happened because I was overseas for a long time and I let my us health insurance expire and then I got really confused about the new rules so I just kept putting it off. [more inside]
Hi. I have a question about how employment insurance works in Ontario. I read through the government of Ontario's webpage, but some things were unclear and I was hoping to get some clarity here. (If there's a better place to post this, please let me know!) I currently work as an actuarial student. In this context, student means that I'm still progressing through exams - I'm actually in my late 20's and well out of university. My job requires that I pass a series of exams. If I fail to pass an exam at least once every 18 months, I'll be fired. I'm writing an exam at the end of April and if I fail, I will meet the condition where the company can fire me. My question is - would I qualify for employment insurance payments if that were to happen?
In the midst of wedding planning and I am not sure how to resolve this particular issue. We finally found and booked a venue that we like and where we could bring in an outside caterer. Our caterer happens to be a BYO restaurant. Our venue allows us to serve alcohol but requires proof of insurance. Particularly, Host Liquor Liability insurance for $500,000. Since the caterer is a BYO, he does not have this coverage. How do I go about getting the required insurance? I know there are third party insurance providers. Is this where I should turn to? [Located in Philadelphia, the venue is a township owned building, the wedding date in Summer 2015]
What does it mean when medical insurance applies a negative exclusion amount to a charge? [more inside]
My husbands car was hit while parked. The other guys insurance company has deemed the car a “total loss”. It is almost 3 months since the accident and insurance claim. The insurance company continues to delay resolving this and we have no idea where to go from here. [more inside]
Difficulty level within... [more inside]
I have Blue Shield insurance and am frustrated by the limited search options available on their site. [more inside]
I have breast cancer. My health insurance company, which has paid out tens of thousand of dollars in the past two months with not a peep of protest, has now denied the $6000 genetic testing to determine whether I have the BRCA (and other) mutations. I am not really surprised, but I don't want to pay $6000 out of my pocket, either. [more inside]
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!
I know a lot of people have asked questions about RV's and living but we're having a specific issue: We will have an RV (Class A) as our sole transportation and accommodation as we move from Canada to the US. Insurance seems to be a sticking point. [more inside]
I have a friend (living in the US) who's been affected by a puzzling case of right-body paralysis out of nowhere. 4 months into physical therapy, I'm afraid she's been misdiagnosed and we both want to fight for second opinion. How can it be done? [more inside]
I was rear-ended last night - at a complete stop waiting for a light; the car behind me was going about 40mph when it hit us. Called the cops, called my insurance, it is completely the other driver's fault. My insurance said I can either have the other driver's insurance (Traveler's) handle my claim, or I can pay my $500 deductible and have my insurance handle the claim (repairs, rental car, etc.) with the knowledge that they may not be able to recover my deductible. [more inside]
USA insurance-filter: is it possible to be covered by 2 private insurance plans at once? We like my wife’s employer’s insurance, but it doesn't cover the expensive fertility treatments that we’ll be receiving soon. My work’s insurance does cover those treatments. Can we pay for both insurance plans and be covered by both? [more inside]
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]