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Medical Loss Ratio (and I am at loss)

What am I supposed to do with Medical Loss Ratio notice from the insurer? [more inside]
posted by zaxour on Jul 21, 2012 - 12 answers

How to make the most of too much insurance?

My wife and I each have medical insurance through work under different providers that covers the other. What is the best way to take advantage of a ridiculous ammount of insurance until I can cancel mine in January? [more inside]
posted by fredericsunday on Jul 19, 2012 - 11 answers

Pennies from heaven?

I had a routine ladyparts exam a few months ago. It qualified as "preventive care" and I didn't have to pay a copay. (Yay! Thank you, ACA!) I got a rundown of what they charged my insurance a month or two ago -- one of those THIS IS NOT A BILL things -- and promptly lost/forgot about it, since I owed nothing. Today I got a check, made out to me, from the doctor's office for a couple hundred bucks. Do I get to keep it? [more inside]
posted by fiercecupcake on Jul 14, 2012 - 10 answers

non-insurance repairs after minor accident

Just got in a minor accident (brand-new car - sigh). The other driver wants to do the repairs himself through the body shop that he works at... [more inside]
posted by tandemrepeat on Jul 11, 2012 - 40 answers

The cheaper the better

Is there an online source to tell which cars are less expensive than others to insure?
posted by yclipse on Jul 10, 2012 - 1 answer

How can I obtain UK car insurance (just for a couple of weeks) with a US license

How can I obtain UK car insurance (just for a couple of weeks) with a US license while traveling. [more inside]
posted by zeoslap on Jul 3, 2012 - 18 answers

Need stitches without the ER

My girlfriend just got a cut on her leg from a glass table, about 1/4" deep, maybe a little deeper. We think she needs stitches or at least antibiotics, but she doesn't have health insurance. What is the cheapest option to get looked at and treated? [more inside]
posted by nakedmolerats on Jun 29, 2012 - 23 answers

Moving to BC with a car

My wife and I are moving to British Columbia on temporary work permits, from the US, and we'll be bringing in a car. However, we want to drive up through Alberta (Burgess Shale tourism!) on our way to Vancouver, and I'm concerned that this may cause major headaches with regard to insurance, registration, licenses, etc. Please help us avoid border crossing nightmares! [more inside]
posted by inkfish on Jun 28, 2012 - 6 answers

Whose money is it?

Whose money is it? [more inside]
posted by salmacis on Jun 23, 2012 - 18 answers

Teen car ownership and insurance

My 19 yo son is ready to buy a car. From an insurance perspective (cost and/or risk) does it matter if the title is in his name or mine? [more inside]
posted by j810c on Jun 22, 2012 - 8 answers

insurance reassurance

Where does one go for reliable information about any risks of using your health insurance policy? [more inside]
posted by anonymous on Jun 21, 2012 - 14 answers

Recommend an insurance company, please.

I need to get homeowner's insurance for a property around Concord, NH. Can someone recommend an independent insurance agent in this area?
posted by danep on Jun 20, 2012 - 1 answer

Suddenly Widowed

My husband died recently. We were together for decades and have school-age children. His passing involved severe trauma, and we have social support and frequent therapy appointments to get us through the turmoil. Emotionally, we're holding up. My question is about getting our affairs in order. [more inside]
posted by Fichereader on Jun 16, 2012 - 29 answers

Roofer, insurance, legalese, scam?

I had a roofer give me an estimate. He would like to make a hail damage claim against my homeowner's insurance. I didn't know that we had had a hailstorm this year... [more inside]
posted by anonymous_account on Jun 16, 2012 - 24 answers

Who can help me?

How do you know what type of mental health professional you need? [more inside]
posted by anonymous on Jun 16, 2012 - 12 answers

Inexpensive dentist in NYC.

I'm in NYC and I may need to see a dentist, but I have no dental insurance. Recommendations? [more inside]
posted by griphus on Jun 14, 2012 - 15 answers

Drowning in flood insurance legalese

I think I'm being scammed by my mortgage company to purchase flood insurance even though I feel certain I'm not in a flood zone. Do you have experience with this? Is their claim likely to be true? Is there an easy way for me to verify or disprove their claim? [more inside]
posted by kbar1 on Jun 10, 2012 - 17 answers

To COBRA or not to COBRA

I've recently changed employers. My insurance from the previous employer terminated on 5/31. My new insurance starts on 6/23. I can get COBRA for the interim if need be. The question is, do I need it? There is a grace period, such that I don't have to decide until after 6/23, at which time, if I didn't need it during the period, I could save myself about $500. However, there is the concern of the 'pre-existing' condition, ie that period where I would not have insurance can somehow cause me to have 'pre-existing' conditions, whether indefinitely or for some period of time after 6/23 I don't know. The new insurance is Presbyterian Health. Can anyone advise?
posted by falsedmitri on Jun 4, 2012 - 10 answers

I should ask this question while I still *have* teeth.

I am a bad human being and have not been to the dentist in...well, a very very long time. Help me figure out options, like insurance and such? [more inside]
posted by TomMelee on Jun 4, 2012 - 20 answers

Please help me choose a medical insurance plan.

Please help me choose an insurance plan. [more inside]
posted by k8t on Jun 3, 2012 - 4 answers

I need to know what to say in the Emergency Room.

Which address should I give when I go to the Emergency Room? This is turning out to be a surprisingly stressful and complicated question. [more inside]
posted by Ash3000 on Jun 2, 2012 - 12 answers

Health insurance question: Does the birthday rule force us to upgrade to a family plan?

Insurance coordination of benefits and birthday rule question: can my wife be forced to upgrade to a family plan? Details inside. [more inside]
posted by smurdah on Jun 1, 2012 - 16 answers

Paying for old age care long in advance?

Can I pay for assisted living/nursing home/whatever now so that I don't have to worry about being able to pay for it when I need it? And assorted related questions. [more inside]
posted by Flunkie on May 29, 2012 - 20 answers

BCBS PPO therapists in Buffalo/WNY

I am looking for a general purpose LCSW/psychologist/therapist in the Buffalo, NY area (northtowns preferred). I'm looking for someone young, and they need to accept a BCBS PPO insurance plan. Seeking recommendations, or suggestions on how to search better. [more inside]
posted by anonymous on May 24, 2012 - 2 answers

gynecology advice (oh yeah this is staying anonymous)

Going to the gynecologist tomorrow: What to ask/test for and should I use my insurance? [more inside]
posted by anonymous on May 23, 2012 - 4 answers

mental health will drive you mad

I need mental health insurance. Spouse's might have lapsed from the old job. The new job has crappy insurance. [more inside]
posted by anonymous on May 22, 2012 - 12 answers

Tooth and clause

Dental Insurance: I have it for the first time in 20 years. Help me figure out how (if) I can get coverage for a procedure that was pre-approved and then denied coverage. [more inside]
posted by caryatid on May 18, 2012 - 6 answers

Open enrollment deadlines and dilemmas

It's open enrollment time, and given the changes in all the policies, it's now a lot harder for a clear cut decision. [more inside]
posted by k5.user on May 18, 2012 - 3 answers

Should I ditch COBRA and switch to an individual plan?

Health insurance question: I got laid off from a small company a few months ago, and have been paying over $400 monthly for COBRA. This eats up a ton of my unemployment money. I'm wondering if I should switch to an individual plan. [more inside]
posted by emily37 on May 16, 2012 - 19 answers

Is it legit that I should go to small claims court?

I've been asked to testify at small claims court for a car accident I was in 3 years ago in which another person was at fault. Is this normal? More inside. [more inside]
posted by modoriculous on May 16, 2012 - 16 answers

Should my mother buy long term care insurance?

My 70-year old mother is trying to decide whether to buy long term care insurance. The premiums are high (>$4000 per year, for max three years of benefits) and she's trying to weigh the risk of running out of cash too young if she coughs up the premiums, versus the risk of self-insuring. Can anyone offer advice? [more inside]
posted by copacetic on May 14, 2012 - 5 answers

When switching auto insurance, should I cancel the old policy or just let it lapse?

Switching auto insurance: cancel old policy or let it lapse? [more inside]
posted by StrangeTikiGod on May 13, 2012 - 9 answers

Bank did a bad thing; don't know how to respond to Bank

My bank, in Canada, committed what feels like fraud. Not sure of next steps. [more inside]
posted by anonymous on May 11, 2012 - 12 answers

Recommendations for Canadian car insurance

Looking for car insurance recommendations in Calgary, AB. Has anyone had a fantastic deal, good service or other tips? [more inside]
posted by arcticseal on May 8, 2012 - 5 answers

Do outstanding medical bills hurt your credit rating?

Has there been a recent change in the relationship between medical debt and your credit rating/score? [more inside]
posted by RajahKing on May 4, 2012 - 4 answers

How do we get out of paying for employer insurance during FMLA?

FMLA-Filter: What counts as officially "returned" to work after the 12 week FMLA for maternity leave? [more inside]
posted by amazingstill on Apr 30, 2012 - 9 answers

Applied for individual health insurance through BCBS; was given a counter offer based on my medical history - can I negotiate for a better price?

Applied for individual health insurance through BCBS; was given a counter offer based on my medical history - can I negotiate for a better price? [more inside]
posted by anonymous on Apr 28, 2012 - 6 answers

Should I hold off on seeking treatment under my new health insurance coverage?

Specific pre-existing condition health insurance question. [more inside]
posted by anonymous on Apr 28, 2012 - 8 answers

Affordable student health insurance in New York?

I have recently lost my health insurance. While it is possible I will be reinstated to the plan I lost, which is provided in conjunction with my school, I need to be insured again ASAP, and I don't mind the possibility of doubling up on insurance for a short period of time. New Yorkers, do you know of any affordable (<$500 or so per month) plans I might be eligible for? I am a full time college student. [more inside]
posted by ocherdraco on Apr 25, 2012 - 9 answers

Help I know nothing about cars

I need help buying a car. [more inside]
posted by NoraReed on Apr 24, 2012 - 35 answers

My girlfriend might have lost her insurance, and we need help.

AskMe: we need help. My girlfriend just found out that her health insurance was terminated for non-payment (she thought she had paid it, and when I get home this evening we'll double-check our accounts to see what happened.) Whether the error was hers or the insurance company's, the company has stated that it'll take them 10-14 days to know whether or not they can reinstate the plan regardless. She has a pre-existing condition (ADHD), so consistent coverage is very important - and Ms. MP is starting to freak out. What's our next move, and how do we get through this? [more inside]
posted by (The Rt Hon.) MP on Apr 19, 2012 - 8 answers

Life Insurance for Stoners?

I want to get some life insurance. But, I like to smoke the marijuana from time to time. What can I do? [more inside]
posted by trbrts on Apr 19, 2012 - 11 answers

Help me quell my tornado anxieties...or not

What happens if your house is damaged by a tornado? What happens to your stuff, what do you do about the immediate moment, etc? [more inside]
posted by Frowner on Apr 16, 2012 - 5 answers

Looking for resources on insurance options.

I'm looking for resources to help me decide what types and amounts of insurance to buy. [more inside]
posted by medusa on Apr 16, 2012 - 4 answers

What is the benefit of purchasing the extension health coverage (individual) vs. purchasing your own individual health insurance plan for a couple of months?

What is the benefit of purchasing the extension health coverage (individual) vs. purchasing your own individual health insurance plan for a couple of months? Left school health insurance and now I am looking for my options. Is the extension worthwhile/more expensive than purchasing individual health insurance through ehealthinsurance.com? [more inside]
posted by proficiency101 on Apr 16, 2012 - 2 answers

Insurance agent, take my money, please!

Why do insurance companies (non-medical) make it so rough to switch agents? [more inside]
posted by zombieApoc on Apr 16, 2012 - 6 answers

I'm putting my dentist's kids through college

Individual Dental Insurance. Is there such a thing, and is it affordable, and is it offered by someone other than Delta Dental? [more inside]
posted by instead of three wishes on Apr 11, 2012 - 15 answers

How to challenge an unfair insurance claim

My girlfriend bumped the wing mirror of a car while parking. She is getting stung for way more damage. What to do? [more inside]
posted by Conductor71 on Apr 10, 2012 - 12 answers

Who can help me with disability insurance claims?

I’m looking for advice on dealing with with employer provided disability insurance. I’m out of work due to illness, and I am having trouble navigating the disability insurance provided by my employer. Do I hire a lawyer? Are there other people that I can hire to help on my behalf? [more inside]
posted by [insert clever name here] on Apr 9, 2012 - 7 answers

Advice on what to do after a house fire.

My parents' house caught fire yesterday. This kind of thing has never happened to any of us before, and we could use advice on how to move forward. [more inside]
posted by anonymous on Apr 9, 2012 - 9 answers

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