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]
I have an appointment with a psychiatric nurse tomorrow, I have two insurance policies that overlap until the end of the month, and I don't know which policy would be the smartest to use. [more inside]
I am using my high deductible health insurance for the first time. "Preventive" services are completely free. Help me understand how to stay within preventive services. [more inside]
I'm a US citizen with a US driver's license, currently living in London. I don't own a car and I don't have car insurance. I'm planning to rent cars on holidays in the UK and elsewhere in Europe a few times this year. How do I do this without buying the typically exorbitant insurance coverage from the rental agencies and not relying on the limited coverage that my US credit card offers? [more inside]
She's uninsured and pretty weak, but told she needs the operation in 30 days or her life is at risk. How do we get a hospital to take her on? [more inside]
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]
I can get somewhat cheaper auto insurance from Allied, but have not heard of this company. Googling for reviews get mixed results. Has anyone had experience with them - customer service, paying claims, etc.?
USA insurance-filter: we can't have kids naturally and need either surgery or IVF. We are on my wife’s insurance, which does not cover either of these. My employer's insurance says it does, but before we switch I want to be very sure these things are covered and understand any limitations. Can I just ask the insurer directly? [more inside]
What was this novel/short story/screenplay/dream I read? Seeing Wow, that literally costs an arm and a leg! on the front page reminds me powerfully of a scene in something I read where a father plots his successive and continuing workplace injuries to maximize the insurance payouts, which are used for the benefit of his daughter. [more inside]
I have independent insurance. I understand that under the ACA, I can't be denied coverage in the future, but will my premium be higher, the more I use insurance? [more inside]
My situation: I bought a car to replace my stolen scooter about a year ago, and just got my scooter back. Til the end of summer, I imagine I'll be riding the scoot exclusively. In lieu of selling my car and purchasing another in a few months- which I'd have to do in 8-month-rainy-season Seattle- I'd like to figure out a way to let someone use/insure/park it til then, and be legally assured that I would get the car back in the same condition I left it. More inside. [more inside]
How do I find out if a Life Insurance policy exists? My Dad passed away last week after a short illness, and I'm in Milwaukee taking care of his affairs, cleaning out his apartment, etc. It was so sudden that we never got a chance to discuss specifics like if he had a will (he doesn't), etc. This is in the State of Wisconsin, city/county of Milwaukee. [more inside]
My fiance sold and shipped some very expensive, heavy, one-of-a-kind electronics to an online friend overseas. They were damaged during international shipping. The purchase price was over a thousand dollars and the items are literally irreplaceable. Who is legally liable here? What are the ethics? We *cannot* afford to reimburse this expense. [more inside]
Unbeknownst to me, my in-network-doctor sent my labs out-of-network. I just got the bill :( Now what? [more inside]
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]
The San Francisco city tax collector just called me about an extremely expensive, 3-year-old ambulance bill I wasn't aware of previously, what are my next steps? [more inside]
I've been seeing a PT for 3 months who is covered entirely by insurance. They provide ultrasound, etc., but not much else. I want to see another PT to get better treatment and pay out of pocket. Would it be OK to continue seeing the insurance-covered PT for ultrasound and e-stem once a week and pay out of pocket to go to the other PT once a week? Would my insurance company frown on this if they found out?
I am getting health insurance just to meet the minimum coverage for something I'm doing that requires health insurance. I just want a cheap plan that I can get online. I tried googling but it's overwhelming and I don't know which sites to trust, half of them look like spam/scam to me. Is there a good comparison site?
Asking for a friend: "I have TMJ & I'm looking for new insurance. I've noticed that Health Choice Insurance doesn't exclude TMJ, but you have to be authorized for it. The company seems small, and to partner with a handful of clinics. Does anyone have experience with this company, or with a different company who would cover an occlusional splint specifically made for the treatment of TMJ?" [more inside]
Is there a way I can purchase life insurance and/or funeral insurance for my parents, and if so, which would be the best way to do it? [more inside]
I would like to buy a used car, drive it all summer (commuting to a short-term job), then sell it. I'm a newish driver, first car, first time getting auto insurance. Recently I got a major traffic ticket, for which I've already requested a trial. It's likely I'll be done with the car before the trial date arrives. How will this pending ticket affect my insurance? Also, I don't know if my infraction is potentially worth demerit points- how would I find that out? [more inside]
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!
I got stuck in the middle of an uncomfortable car accident dispute between two relatives. Things have been "resolved," but there are now bad feelings all around and financial hardships. How could I have handled this better? [more inside]
I'm trying to apply for health insurance through Covered California, and I've reached the "Household" section of their online form. I'm a naturalized citizen. My understanding is that a passport is perfectly valid proof of citizenship, but unfortunately, once I check the "naturalized" radio box, a section pops up prompting me to enter either my naturalization certificate or my certificate of citizenship — neither of which I have, and acquiring which may cost a good chunk of money and also put me past the open enrollment period. How do I get Covered California to accept my passport? Has anyone here been in a similar situation? Thanks! (An extra complication is that I'm not currently in California, though I could probably get my family to act on my behalf if my physical presence is required somewhere.)
Does some kind of trip cancellation insurance policy exist for these circumstances? [more inside]
I have a sister in law who has no health insurance. She is fiercely independent. I can easily afford to pay for health insurance for her. She is refusing to let me. My concern is, if she had a serious health issue, we would be on the hook for paying for her treatment. Not legally, but she is family and we just would pay for her to get good treatment. I want to insure myself against this potentially huge expense even if she doesn't want to. Is there any way to do this?
Our insurance company won't insure our solar panels on their own - they'll only add the value to our "replacement amount" on our insurance policy. We want them to have their own coverage. Any leads in Ontario Canada? [more inside]
I am currently taking five drugs for which the prescription is "dispense as written." [more inside]
I recently sent my cherished pair of Frye boots through USPS Priority Mail to the Frye refurbishing center... Now they are missing... [more inside]
Help. I'm being told by my employer that I need to buy Workers Compensation Insurance for myself to continue working for them. I believe I'm an employee and they should cover it. They believe I'm an Independent Contractor so I should pay it. This is in NYC. More info under the cut. [more inside]
I recently went for a general physical exam with a new doctor and got back a $900 bill. Is this normal? What can I do? Are there consumer rights I should be aware of? [more inside]
Chronically ill, fixed income US expat. Is it possible to get affordable health insurance in the US? This is pretty much a hypothetical question, but I figure I’d do some research anyway. Snowflakes after the fold: [more inside]
UK car. Have had to become Belgian resident, must register car but this takes weeks and my insurance runs out in a week and it's Christmas and I might be moving back in 3 months anyway and temporary insurance is absurdly expensive and aaarrrgh! [more inside]
My wife and I (under 35, good health) would like to buy life insurance/ disability insurance. We don't know where to start. [more inside]
Yesterday I was involved in the first automobile collision I have ever been involved in, and am unsure what the best way to proceed is. The pickup truck behind me was rear-ended on the interstate, resulting in it being pushed into my own vehicle. My car is practically undamaged, and I don't think I want to go through the process of filing a claim. Is this a bad idea? More details inside. [more inside]
I'm renting a car in California while being under DC MedicAid. Would I be covered in an accident? [more inside]
Help me move to Vermont and acquire a vagina. (This is not a joke.) Insurance and relocation-related questions within. [more inside]
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?
After being recommended multiple therapists and not a single one accepting insurance, I've determined that the only financially advantageous avenue to pay for therapy is to switch to a high deductible insurance plan with a HSA in order to lower my premiums and maximize my tax situation. Is there anything I'm missing or not taking into consideration? [more inside]
The BlueCross BlueShield plan I've had for a few years "allows" only $78 of the $180 that my out-of-network therapist charges. Other companies can't/won't tell me what their allowed amount would be. Does your plan "allow" more than mine does? I just don't understand how they can say that the "reasonable, usual and customary charge" for a therapy appointment with a Ph.D. therapist is $78, because that's just ridiculous. Am I missing something here? Or is this just the insurance companies being $&%#?!*@.
I am in California. Yesterday while stopped at a red light I was hit from behind. The visible damage on both cars is minimal and no one was hurt, but it was still a jarring crash. The person who hit me is insured but does not want me to make a claim and has offered to pay for my inspection and repairs out of pocket. Is there any reason that I should not make a claim in this situation? [more inside]
I have a series of issues around getting my home insured. Please advise? [more inside]
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]
If I contribute $2500 to a Flexible Spending Account (FSA) in 2015, and end up spending only $2000 of it on health costs -- what happens to the other $500?
Young couple living out their dream came to an abrupt halt in October. He was diagnosed with a particularly aggressive form of melanoma. They had not signed up for Affordable health care insurance, since they were planning on traveling and working around the country. And hey, they are young and healthy, right?? [more inside]
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.
I was in an accident in a common mid-90s sports car. Summary: Body work, broken front axle. Because of the age and damage, the insurance will likely declare the car "totaled". My insurance will likely have to pay for repairs to the other car involved. I have liability only insurance, so they're not going to pay me anything regardless. No one was injured. Does my insurance need to care about my car, if it is liability only insurance, besides assessing for "fault"? One of my family members would like to repair the car. Assuming (he has done this kind of thing before, parts are plentiful, and time is not an issue) that he can make it safely drivable again, what do I need to do to make it legally drivable again? Is there anything I can do now to make it easier to get the car on the road in the future? I'm in northern Virginia.
My industry has just had a Black Swan event and has entered a period of systemic risk. [more inside]