Can you help a small non-profit figure out our rights and opportunities with the public exchanges on October 1? [more inside]
I am fed up/freaked out about the cost of my health insurance... [more inside]
I was hit by a garbage truck a little over a month ago. He had a stop sign that he decided to ignore. I was on a rte/main road with no stop sign, going with the flow of (considerable) traffic. My car was pretty seriously damaged and needs to be fixed, but so far the truck company's insurance company hasn't accepted liability, and are hanging their decision on a guy who apparently doesn't exist. In the meantime, my car's a mess. How to get a response so I can get my car fixed and not have to cover the rental myself? [more inside]
My brother has been diagnosed with an acute form of leukemia, and is currently in the ICU. What we know is that he's not going to die tonight. He's got some life left in him. They're not sure about the precise form yet, that will take some time.
But in the meantime, we have a problem: he's 31, recently unemployed, and uninsured. My family is far from being able to afford out of pocket health costs. And from all the doctors, drugs, machines he's been hooked up to in the past 10 hours, I know the bill is already creeping into the many tens of thousands of dollars.
So my question to MeFites is: what are our options? How do we pay for this? We have very few assets, although I'm sure we'd sell the family home to keep my brother alive for a few more years. But apart from that, we've got nothing substantial. (I'm a graduate student, and my mother is a self-employed seamstress. My father is unemployed). Are there any gov't programs available? Can he go on Medicaid? Etc. I'm having trouble finding hard info on people in his particular situation (not a minor, not elderly, and diagnosed with cancer). Help!
In 6 weeks' time, my husband and I are quitting our jobs to go on a 2-3 month road trip around the USA before moving to Europe. I have some questions about travel/trip/health insurance for folks who may have done this or something similar. Is it sensible or possible to use travel insurance as our primary health insurance? [more inside]
...That actually exists right now, and isn't just some thing in a trial state only available in 1-2 small locations? I'm paying a lot for a car i barely drive. [more inside]
Does anyone know how the Affordable Care Act will affect Healthy San Francisco/SF Path participants when it begins?
I'm looking for good resources for information about the upcoming exchanges, especially concerning eligibility restrictions, specifically in Colorado. [more inside]
I recently made a switch to a different company for my homeowner's insurance (details after the jump about why). I fear I may have made a big mistake, but I honestly don't understand ANYthing about insurance and the more I try to read about it and look at my policies, the more confused I get. It's like someone's speaking Mandarin to me. I feel like a colossal idiot and I have no one to ask anymore now that my dad, whom I relied on to help me with this kind of stuff, is gone. I'm wondering how much I messed up here, and what I should look for to fix it. [more inside]
A relative was recently in an accident, and the other driver is at fault. It occurs to me that car insurance seems broken, since my relative is now trying to get paid by a company whose client is the other driver. How do we make sure they have our best interests in mind? [more inside]
I temporarily swapped cars with my parents. While my mother was driving it alone, another driver sideswiped her and damaged the vehicle. How does the insurance get handled? Obviously, the driver-at-fault's insurance should pay for the repairs. But do we contact my insurance company, my parent's insurance company, or only the other driver's insurance company? [more inside]
I need group health insurance, but I don't know what my options are with the new potential changes in the law. I am in the East Bay, in California. Help? [more inside]
Hello! I am an independent contractor (1099 Misc form) for the first time in my life and need some tax advice as the budget is a bit tight!
Therapy, acupuncture, bicycle, insurance, computer, etc. How do deductions work? [more inside]
mental health snowflake details inside. [more inside]
I am currently employed full time with group health insurance. I've accepted a new position at a different company starting August 1. If I put in my 2 weeks notice and quit on July 12, will I still be covered for the remainder of the month? [more inside]
We've had a giant storm and an incredible number of trees are down including many blocking roads. One downed tree is mine, although thankfully it's not in the street. I was actually in the process of getting an arborist out here to get it taken down next week...and now it's down! Er, mostly down! And that's where I don't know what to do. [more inside]
I think I might be a little depressed. Sometimes more than a little, but usually at least a little. And I know I have issues with anxiety. So, I've decided to get therapy. And I've called my insurance to figure out how to go about doing that. So my question is: now what? I don't know if I need a psychiatrist or a psycologist. I know that a psychiatrist perscribes medication, but I don't know if I need that. Knowing that seems like their job. [more inside]
I have been halfheartedly looking for a new job. My current position does not leave me much time or energy for searching, plus I have had a lot of illness in my family in the last year, which is time-consuming and emotionally draining.
When a supplier I work with mentioned that someone in her company had left recently, I asked her whether she plans to replace him, and she said she does.
I emailed her my résumé, and she sent me the job listing. In her email, she asked me whether I was interested, and if not, to let her know what my concerns are so they could address them because "your résumé is great!"
How do I respond in the most effective manner? [more inside]
At some point, my parked car was hit. I didn't notice until I got home. It could have happened in three or four different parking lots--I ran several errands. There is fair amount of damage to my front bumper and a dent in my hood, but I can't prove I didn't do it myself. Am I going to be able to file an insurance claim on this? What do I need to know before I call my insurance company? Could this raise my premiums? [more inside]
I have learned there is a 50% chance I have inherited a genetic disease. I would like to be tested to see if I actually have the faulty gene, but have a few concerns as to insurance implications. Any help would be much appreciated. [more inside]
I've always been prone to depression as a result of my dysthymia and due to recent traumatic events, I've slumped into depression again.
My work productivity and quality suffered as a result and I ended up breaking down to my manager, sobbing my eyes out and explaining my situation. I was even developing suicidal ideations and at this point, I've taken a little over a week off of work.
In the mean time, I've seen a doctor, a psychiatrist, and a therapist for my depression and I've been prescribed Pristiq.
Now, my question is in regards to requesting a leave of absence for my depression [more inside]
Asking for a friend. Her mom lives in Nashville, Tennessee.
"My mom was just diagnosed with a rare and aggressive type of breast cancer. She will need both chemo and surgery.
In addition to the physical, medical, and emotional toll treatment will take, we need to figure out how to pay for this. [more inside]
I just received a notification from my insurance company that as of July 1 they're no longer covering the brand-name version of a necessary medication I take daily. If I want to keep taking it I have to pay the full price (many hundreds of dollars per month)—or switch to the generic, which I've taken before and found that for me it is basically crap. It doesn't work as well, and has pretty unpleasant side effects, and I have documentation to that effect from my doctor of many years. Is there anything I can do to create a happy ending here?
Rear ended a car on a slick road today. Called police to get a report filed. Now what? [more inside]
I am looking for sites that can grab quotes from multiple renters and auto insurers.
Its tedious to enter all the information into multiple sites.
Could you recommend a few websites? At this time I am looking to get renters insurance but thought I would find out about auto as well.
Short term health insurance options in Massachusetts? [more inside]
I'm trying to figure out a way to have a car that I own insured and driven primarily by my parents. I can't transfer the title, as there's still a lien and I will be making payments. However, my parents need a car urgently, so I need to get them to a good, insured state with a reliable automobile. Does anyone have experience with this?
It's possible to get insurance for strange things: for example, Lloyd's of London once insured Troy Polamalu's hair for $1 millon
. How can I get some esoteric insurance of my own? For details... [more inside]
We live in Mass and my wife got into a car accident the other day while I was out of town. How can I convince the insurance company it was not her fault? [more inside]
We had our car stolen a couple of weeks ago. The insurance company actually worked pretty quickly and we agreed a settlement amount with them and they have paid out. Now been informed by the Police that the car has been found. It looks like it's in pretty good nick apart from a couple of broken windows.
Would we be able to buy the car back from the insurance company? How much if any discount should I expect? Problems in the future?
Anyone got any experience of buying their car back from their insurance company?
So I was in a motorcycle accident a month and a half ago when an inattentive driver caused me to get into a single-vehicle accident. Because that driver did not stop, my insurance company covered me under uninsured motorist coverage. The company, Progressive, has been great about everything so far, but now they want to cover the "pain and suffering" portion of the claim. I'm at a bit of a loss as to how to proceed and would appreciate guidance from people who have been through this sort of thing. [more inside]
I am looking for a dental plan I can enroll in. My employer does not provide dental insurance. I live in Massachusetts. [more inside]
I'm getting ready to have a possible "final conversation" about financial responsibility with my boyfriend. I just want to check in to see that I'm being realistic with today's economy. [more inside]
Someone asked me this this morning, and I have no idea so I thought I would throw it out to the green. [more inside]
What is in place to stop health insurance companies from simply NOT doing things they are contracted to do (i.e.: process and pay for prescriptions. Pay doctors etc.). [more inside]
I'm a single woman in her early 40's, unemployed (mostly), looking to purchase health insurance, and requesting advice from the hivemind on how much I should have, of what type. [more inside]
I am having trouble getting my insurance company to issue an SR-22 to the Oregon DMV so my license isn't suspended. [more inside]
[USA filter] Even with the new disclosures I can't figure out how much Medicare pays for just a hospital or nursing home room - 24 hours. Just the room charge. [more inside]
I don't have insurance and I seem to have collected a kidney stone. Already seen a doctor, but what more should I do? [more inside]
I'm self employed. I need health insurance. My main concern is a random ER visit that will put me in debt for the rest of my life, so I told my wife not to worry about deductible prices, since I only need to go in once every few years anyway.
She found something with a $4,000 deductible. And that was like $80/mo. The other ones were even more expensive. Is this price range right? Is this the only way to protect myself from crippling debt?
Can you recommend companies for travel insurance? (For UK resident) [more inside]
My front tooth, already decaying, has actually cracked down the middle. I know, should've taken care of it earlier blah blah blah but I'm taking care of it now and need to know my options. I am 24, uninsured and have very little in the way of expendable money. [more inside]
People with pet insurance on their cats. Have the benefits ever outweighed the costs? It seems very expensive to me. I've not had it before as it wasn't around when I got dear old Dot. Bearing in mind these are fit 3 yo cats with no pre-existing conditions who were well cared for in previous home and will be living indoors only. The only people who have had good use out of their pet insurance who I know are lady with cat who was in a road accident and had lots of ops and MRIs and lady with 2 rescue dogs who have had joint and allergy problems. [more inside]
My partner and I have an income disparity. We try to split costs 50/50. However, I now have the option to insure her as a dependent, but she can't afford to pay her half of the premium. [more inside]
My sixteen-year-old son got his license recently, and after a month (during which time he did not drive) we insured him for a month as we were going to be out of town and he needed the car. When we called our insurance company to remove him from our policy, we were told that the only way the company would uninsure him is if he turned in his license to the DMV.
We only have one vehicle, and he won't drive. He's not the kid who is going to sneak off in the car, either. So can the insurance company just drop us or otherwise hose us over? [more inside]
My partner and I are considering going into couples counselling. The insurance plan we share does not cover this type of counselling "except when rendered in connection with services provided for a treatable mental disorder." One of us is in treatment for a mental disorder, so this seems worth investigating. Can you offer us any experience or advice about dealing with therapists and/or insurance companies in this situation? [more inside]
Our current homeowners policy is being changed because the company no longer does business in our state. Our agent has come up with another company that is not a national company. It only underwrites in several states on the east coast. I looked up their financials and they seem to be good but I’m no expert. It also is rated with Demotech which I understand to a paid rating company. [more inside]
I have insurance coverage from Geico for my car in IL. Am I covered while driving my dad's car in CA? [more inside]
I do not have adequate health insurance, am self-employed, and any injury that might prevent me from working steadily would be economically problematic (ok, disastrous). I also would like to begin riding my bicycle again as a form of exercise and enjoyment. Would the health benefits of biking outweigh the risk of injury? I would be primarily riding on designated bike trails, not public roads. I'm somewhat paranoid because a friend (with good insurance, fortunately) had a mishap on a bike trail that required surgery. I don't know how common such mishaps are. What would you do in my situation?
I am an ABD grad student dealing with significant situational depression. My therapist has recommended I seek out a prescription for an SSRI (antidepressant). My insurance situation is a bit complex -- I'm on the university's faculty EPO plan, but don't have a primary care physician relationship established. Trying to sort out the right order of operations for making sure I get coverage, and get timely access to care. [more inside]