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Life counts as a pre-existing condition, right?

I'm finally in a place where I can afford health insurance (catastrophic, at least) in Washington state. So far all I'm really doing is looking at plans on ehealthinsurance dot com...but if there are things to look out for or better ways to shop, I'd really appreciate the input. I'm healthy but nervous about being ripped off. [more inside]
posted by scaryblackdeath on Nov 21, 2011 - 7 answers

How to safely loan a car indefinitely

We want to give a car to my broke brother. How can we do this safely? [more inside]
posted by my name is irl on Nov 17, 2011 - 24 answers

Choosing between two health plans

I am trying to choose between two different health plans offered by my large employer - a POS80 and POS90 plan. The choice seems so clear to me (the lower-cost plan seems better) that I wonder if I'm overlooking something in making the decision. The difference in monthly premiums seems to be more significant than the difference in the deductible & out-of-pocket maximums. [more inside]
posted by Fran C. on Nov 16, 2011 - 7 answers

What do you do when you're hit by someone without a driver's license or insurance?

My car was rear ended last night and it's starting to look like the guy who hit me does not have a driver's license or insurance. So I'm not really sure what my next move is. [more inside]
posted by dhammond on Nov 13, 2011 - 20 answers

Help me quit smoking, again, without messing up my insurance.

A discount on insurance for non-smokers? Great! Fast forward a couple of years and I've started again and want to talk to my doctor about quitting. [more inside]
posted by anonymous on Nov 11, 2011 - 6 answers

Condo insurance in Brooklyn

Condo insurance in New York City for a pair of n00bs. [more inside]
posted by Sticherbeast on Nov 10, 2011 - 4 answers

help me with home health care/senior care

hi friends, please hope me. oh, and this is in illinois, as that may be relavant. my mother has a rare neurological disorder called MSA. it is terminal, and from the looks of things, she is in the end stages. she's in a temporary rehab home after her second near-death hospitalization in the past 4 months. the first one was aspiration (choking), this second one was sepsis arising from an untreated UTI. both very common occurrences with this disease. she is essentially immobile, and cannot exist without assistance. here's the problem(s): since the onset of this disease about 7 years ago, my father has thrown himself at the mercy of all this and has assumed the role of caretaker. [more inside]
posted by anonymous on Nov 9, 2011 - 10 answers

Looking for Helen Wait.

I would like to lodge the single most effective complaint against some really misleading and crappy billing practices by a dental office. [more inside]
posted by sonika on Nov 9, 2011 - 16 answers

Lost engagement ring...

Looking for advise on making a police report and an insurance claim [more inside]
posted by ibakecake on Nov 9, 2011 - 3 answers

COBRA for weekend coverage?

Insurance coverage from previous job ended on Friday without COBRA. Insurance from new job starts retroactively on the following Monday. I have pre-existing health issues. How do we know if we need COBRA or not? [more inside]
posted by anonymous on Nov 4, 2011 - 5 answers

Before surgery, my insurance company said I wouldn't have to pay. After surgery, that's changed. What now?

Before having surgery, I was told by my insurance company that my deductible had been reached, and that there was nothing for me to pay. After surgery, they amended that, telling me that in fact my deductible had not been filled at all for the present period, and I *would* have to pay. Am I just screwed here? [more inside]
posted by Ash3000 on Nov 2, 2011 - 15 answers

Is Primerica Evil?

Is Primerica a bad company and would you invest with them? [more inside]
posted by birdlips on Oct 31, 2011 - 16 answers

Where to buy travel insurance for 1 year around the world backpack trip of a lifetime?

Canadians looking for travel insurance for one year around the world trip? [more inside]
posted by grak88 on Oct 30, 2011 - 2 answers

What type of health plan should a pregnant person pick?

My partner and I just found out we are newly pregnant, and are unsure which health insurance offered through my employer we should pick for next year. [more inside]
posted by anonymous on Oct 29, 2011 - 21 answers

How much to insure diamond rings for?

How much should I insure a diamond engagement ring and a wedding band for? [more inside]
posted by teg4rvn on Oct 28, 2011 - 20 answers

My brother needs his knee fixed but can't pay for it.

My brother was scheduled to have knee surgery, but has just lost insurance coverage. How can I help him? [more inside]
posted by Vorteks on Oct 26, 2011 - 16 answers

Where is Flo when I need her cheery optimism???

I'm in the open enrollment period (also newly married) and am considering switching health insurance -- for the first time ever. I understand the fill-out-the-forms part, but I can't wrap my head around what that means logistically. What's the process? What should I look out for? [more inside]
posted by Madamina on Oct 20, 2011 - 6 answers

What insurance coverage should I buy to supplement Zipcar's coverage?

My car was recently totaled. I'm switching to Zipcar, but I've read that Zipcar's insurance isn't enough (e.g., here and here). Which parts of my current insurance policy should I keep? [more inside]
posted by morninj on Oct 17, 2011 - 9 answers

Pre-existing condition technicality

My wife just purchased health insurance for herself. Today is her first day of coverage. She has been experiencing back pain and nerve pain in her leg for the better part of a week, however. If she goes to the doctor today and they send her for an MRI (which we're certain they will) and subsequently decide to do surgery (we think she has a slipped/bulging/herniated disc) is there a chance the claims processor at the insurance company will question paying for any of these services? [more inside]
posted by psiwave on Oct 12, 2011 - 14 answers

Ultra-low-dose birth control pills with generics?

Hormonal birth control question: Lo Loestrin Fe has no generic, and even with my crappy insurance is unaffordable for me. What are other ultra-low-dose birth control pills that DO have generics? [more inside]
posted by fiercecupcake on Oct 11, 2011 - 21 answers

Protect my trip!

What travel insurance should I use to protect an upcoming honeymoon in North Africa? [more inside]
posted by bessel functions seem unnecessarily complicated on Oct 10, 2011 - 3 answers

I hear Mary Poppins had her policy via Traveler's.

I need to get liability insurance to cover part-time nannying in my home. [more inside]
posted by sonika on Oct 10, 2011 - 3 answers

Should I get a divorce to protect my husband and child?

If I test positive for cancer, should I divorce my husband so I won't max out his insurance? [more inside]
posted by anonymous on Oct 8, 2011 - 13 answers

what to do, what to do...

I got rear ended a couple of hours ago. Called the cops. Should I call my insurance? [more inside]
posted by Marduk on Oct 6, 2011 - 19 answers

Keep your car parts to yourself!

Is it possible to make a claim against someone's auto insurance for lawn repair and removal of the debris their car left in my yard? [more inside]
posted by salsamander on Oct 2, 2011 - 8 answers

Help Appaising a Lost Ring

My 75 year-old dad's house was robbed and several pieces of jewelry were taken including his dad's old ring. He's trying to claim insurance on it but they won't pay unless they can see a picture of something like it. My dad doesn't have a picture of the ring, or a computer to look up something similar. I don't live in the area. How can I help him remotely or guide him to someplace in the San Fernando Valley/Los Angeles area where he might be able to find a ring of similar value.
posted by ms_rasclark on Oct 2, 2011 - 7 answers

What to do about a "fender bender" in MA?

In Massachusetts: Yesterday on my way to work, going about five miles per hour in morning traffic, I bumped the car in front of me. (My fault; I was totally distracted by the kid waiting for a school bus who looked like he was about to run into the middle of the street.) We pulled off to the side of the road and I took a look at the "damage" -- a couple of scratches to the paint on the (plastic) bumper.... [more inside]
posted by shamash on Sep 27, 2011 - 19 answers

Trouble with the car insurance claim process

Got a really weird call from a car insurance company after a minor accident. How does the car insurance system work in Australia? [more inside]
posted by vidur on Sep 27, 2011 - 10 answers

Help me figure out my car insurance!

Help me assess my car insurance in Boston, Massachusetts and see if I should switch! [more inside]
posted by modoriculous on Sep 27, 2011 - 10 answers

Can we save more on this surgery?

Routine non-emergency hernia surgery--unmet insurance deductible and wondering if there are any cost-cutting ideas we will wish we had known when we get the bill for the surgery. Assuming the hospital won't just shout out ideas if we call them, so...any ideas? [more inside]
posted by circular on Sep 26, 2011 - 6 answers

Someone damaged a part of my car that was already damaged, how do I handle the insurance claim?

Someone hit my car while it was parked and damaged the bumper, which was already damaged before she hit it. How do I handle this? [more inside]
posted by JustDerek on Sep 25, 2011 - 10 answers

Sketchy business practice, or insurance S.O.P.?

Sketchy-business-practice-filter: Recently got a letter from our insurance agent (car and home) saying, effectively, "We've reviewed your coverage, and according to some system we have (360 Value), the replacement cost of your house is roughly 30% more than what the current policy covers. If we don't hear from you in 30 days, we're raising your coverage to that $BIGNUM." [more inside]
posted by jferg on Sep 23, 2011 - 16 answers

How do I keep all my belongings safe while I drive across the country?

A follow-up to this question. Protecting a car full of my belongings while driving cross country for several days: complications: musical instruments, computer gear and cat. How? [more inside]
posted by Lutoslawski on Sep 20, 2011 - 27 answers

The US Healthcare System For Dummies Who Are Also Visual Learners

Give me your best detailed, graphical overview of the U.S. healthcare system(s) - ideally with a view of number of covered lives. [more inside]
posted by deludingmyself on Sep 19, 2011 - 5 answers

Renters' Insurance Claim - Compass Wanted.

Our family's four bikes were stolen ! BOO ! We have renters insurance, Yay? Do you have any tips for navigating a successful renters insurance claim for bicycles? [more inside]
posted by duckus on Sep 18, 2011 - 7 answers

A penny saved is a penny insured

Downsides to setting aside cash to self-insure a car? [more inside]
posted by pwnguin on Sep 16, 2011 - 16 answers

Double the benefit, double the fun

I can insure my spouse through my employer. My spouse can insure me through his employer. Right now we are just going with the better of the two plans. Is there any reason we would want to sign up for both? [more inside]
posted by thinkingwoman on Sep 16, 2011 - 18 answers

My poor tooth.

I'm in the second week of a three month road trip in Wyoming with an infected tooth. I'm on a shoe string budget and I can't afford the extraction. What can I do? [more inside]
posted by chichimimizu on Sep 14, 2011 - 20 answers

I've Got the Blues Regarding My Auto Insurance DuesInsurance

Going to need auto insurance soon. Where can I find the best rates if I have 3-4 points on my driving record? [more inside]
posted by goalyeehah on Sep 13, 2011 - 6 answers

Breast reduction cost without insurance?

Does anyone have experience getting a breast reduction without insurance? [more inside]
posted by ohsnapdragon on Sep 11, 2011 - 7 answers

Do well-off people commit insurance fraud?

Why might a person who has a lot of money commit insurance fraud? This is a hypothetical question for a project I'm writing. I cannot imagine a circumstance in which someone who has ample resources might commit insurance fraud -- say, for an insurance claim involving a house break-in, fire, or flood. Can you?
posted by zagyzebra on Sep 11, 2011 - 36 answers

What recourse, if any, do I have in dealing with this equipment charge from my podiatrist?

About six weeks ago I went to a podiatrist for heel pain and was diagnosed with plantar fasciitis. I was given instructions for treatment along with a night splint that I've been wearing every night. Today, I received a bill from the podiatrist's office for the splint: Blue Cross has paid $80 of the $280 (!) charge, and the podiatrist's office is now putting me on the hook for the $200 balance. What recourse, if any, do I have in dealing with this charge? [more inside]
posted by Kosh on Sep 9, 2011 - 16 answers

Should I look for a lawyer?

Fellow MeFi's, I am debating whether I should dispute the outcome of a marine insurance claim. Any input from someone that has dealt with insurance companies would be greatly appreciated. However, as I realise that my opinion on the matter is obviously biased, any independent assesment of the situation would also be very useful. [more inside]
posted by c13 on Sep 7, 2011 - 7 answers

I need homeowner's insurance!

Some newbie questions from a longtime renter, first-time buyer: [more inside]
posted by Quisp Lover on Sep 5, 2011 - 11 answers

You fucked up. You trusted us!

Rented my house to a bunch of jerks. Besides the usual, they broke things I don't know how to value. Help? [more inside]
posted by swngnmonk on Sep 5, 2011 - 39 answers

I would like to insure my musical instruments.

I would like to insure my musical instruments. [more inside]
posted by usonian on Sep 2, 2011 - 12 answers

What determines my primary residence?

What determines which residence is my 'primary residence' when applying for health insurance, etc? [more inside]
posted by mxmm on Aug 31, 2011 - 3 answers

Hack my life insurance

What's the best route to low-cost, high-value term life insurance that doesn't involve broadcasting my medical information and contact information to multiple people? [more inside]
posted by moammargaret on Aug 30, 2011 - 3 answers

What are my responsibilities and my landlord's responsibilities in the aftermath of a flood?

What are my responsibilities and my landlord's responsibilities in the aftermath of a flood? [more inside]
posted by anonymous on Aug 30, 2011 - 3 answers

How Can I Get My Family Health Insurance in Massachusetts?

Family health insurance coverage in Massachusetts? I'm an unemployed single mom with three kids and our BCBS ends 9/30. I have the option of $1900 COBRA or...what are my options? [more inside]
posted by kinetic on Aug 30, 2011 - 8 answers

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