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Which provides better health Insurance coverage? Traditional Medical Coverage or Short-Term Medical Coverage?
I just transitioned from a student to a worker! In school, my university provided insurance services to me so it was not a big deal. However now I have to look for one myself. My employer says that I can select any type of plan I want and he will pay 50% of it, subject to a $100 per month cap. I have never fallen sick, touch wood, and have never used insurance. So, for a person who seldomly visits a doctor, which is better. Traditional: $ 70 per month $1500 deductible $7500 max. annual out of pocket. Roughly 30% Co-Payments an most of the services. Short Term: $ 30 per month $500 deductible $1000 max. annual out of pocket. Roughly 30% Co-Payments an most of the services. Traditional +s: No need to pay in bulk, includes dental, vision and life. Short Term +s: Low premium, deductable and Annual OOP. Traditional -s: High Premium, deductable, Annual OOP and Co-Payments. Short Term -s: Need to buy every 6 months, no dent. no life."
HOW CAN I GET CHEAP YOUNG CAR INSURANCE ?
Hi, please anyone know how or where can I get cheap young car insurance? I am 19 years old, I got pass plus certificate already, at the moment my quote it's 2300 per year I am looking for less and that thank you."
What is general insurance?
i want to know abt general insurance.
I am debating buying life insurance but have no idea about it. Should I see a financial advisor to find out more?
Where does one find a financial advisor? Does it cost a lot? I have no idea where to begin!
Urgent question about medical insurance for college students!!!???
I'm a student at a major university in the state of Washington (not that it matters for the question I guess). I'm still on my dad's insurance but it's going to expire on my birthday this year. If it is verified that I'm a student at a college (I don't think it matters whether it's a university, community college, trade school, whatever), then the insurance can continue. I stupidly dropped a class close to the beginning of this term, and this unknowingly dropped me *just*, just barely to the status of 'half-time'. I really didn't realize this would happen and has caused me all sorts of grief with the financial aid gods (lol)...I already will have to be writing appeal letters explaining my mistake. Well, I digress, but my question is: For this insurance matter, do I just need to be a student"" or do I need to be a ""full-time student"". If it's the latter"
QUESTION ABOUT LIFE INSURANCE?
IM 19 YEARS OLD, AND MY MOM IS 45. SHE HAS A LIFE INSURANCE POLICY FOR 500K. SHES BEEN IN THE HOSPITAL WITH LYCEMIA FOR THE LAST YEAR. SHE SEEMS TO BE DOING BETTER BUT I WANT TO HAVE THE PLUG PULLED ANYWAYS. WILL I STILL GET MY 500K IF I HAVE THAT DONE? I DONT WANT TO ASK THE INSURANCE COMPANY SO I DONT LEAVE A PAPER TRAIL."
Should I sue the at-fault driver who totaled my car?
I'm an 18 year old college student home for thanksgiving break. I decided to go do some christmas shopping yesterday when my day turned terrible. I was turning left out of a shopping plaza, i had the green light when a lady from my left came speeding going about 75 mph and hit the front drivers side of my car. She literally took the front of my car off, the only thing left to my car is the engine. She bent the frame of the car so the point where i can hardly open the passenger side door, which wasnt even hit by her car. My airbags deployed and my hand was burned and i received a concusion, whiplash and im experiencing back pain. My car was brand new, about 4 months old and the amount from the insurance company wont pay the loan off fully.I have a witness from the accident who said the lady ran the light and was at fault and I just dont know if i should sue."
What is the cheapest classic car insure for 17 year olds?
looking to insure my ford fiesta L 1981, but unsure on the best classic car insurer"
Why the **** is my car insurance so high?
I don't have a car, but I just checked how much my insurance would be if I did have a car.... $850 monthly, and $10,000 yearly. Why the **** is it so high? I'm in Canada &19 years old... I don't think this can be right, I always see young with their own cars, no way they are paying this much ... on top of it all there is gas, oil changes, all that other stuff that will cost thousands more."
"Legal Matters What can I do or What happens if hit by drunk, unlicensed or uninsured driver in California?
1 adult 2 kids involved my insurance procedures
Has anyone thought with the price of gas and insurance and maintenance and payments that it might?
I live on a bus route and I am just thinking about it that is all. It is a little revolutionary for me but I am close enough to my doctor's office and a supermarket etc that I think it would be fine. I of course wouldn't be galivanting around the countryside anymore but I would get more exercise and I probably spend less money. Just a thought
"I need to find health insurance, and have no idea what to look for?
I have a family of four right now. My husband recently started a new job and we just found out that the insurance through his job is very expensive. So I started looking up how much it would cost for us to just buy it. Problem is I have no idea what I am doing. The few plans I looked at have no maternity coverage and we would like to have another child. Also I don't have a clue about ppo's hmo's or any of that and the deductible thing has me in a state of panic! (lol) I put in info on 2 different sites in the last half hour and my phone is ringing off the hook. How do I go about all this? I am so confused and overwhelmed by all this.
Hastings direct car insurance.?
We are thinking of taking car insurance through Hastings direct. Are they reliable? Until now we've been with Norwich Union, but they are very expensive now, so we want to switch. Any others people really recommend, reliable and cheap?"
Do I still have Health Insurance?
I am 20 years old. Undergraduate student who got married. Blue Cross Blue shield. I was added to my mom's policy years go. I am just verifying. basically as long as I am UNDER 26 years old if I am not mistaken, I should have the insurance right? I mean I can use it and all without any problems. My spouse does not have an insurance policy, but rather uses the university one which all of the students for this particular college pay for."
What is a good CHEAP car for a 16 year old?
i am turning 16 in a while and i really want a cheap used small suv got any suggestions ????? please help my dad and i are tired of fighting over it
insurance cost 25 year old
How to insure reliable signal transmission in high speed operation of slip ring?
How to insure reliable signal transmission in high speed operation of slip ring?
How can i switch from one medicaid insurance to another? please help? im 19?
hello! i live in NYS and am currently insured under Fidelis care. my mom switched me from health plus amerigroup to fidelis because she thought it was better but i found out they do not cover needed things such as contraceptive and birth control pills. how would i start the process of switching back? healthplus covered birth control when i had it before. my mom said to call fidelis and tell them to switch but that doesnt sound right. can someone enlighten me on this issue? everytime i try to apply through the nys market place it says they cannot identify me. i am unsure why. thank you
Insurance on a Subaru Impreza WRX Wagon.?
Would someone like please tell me how much insurance would run me on 2004 Subaru Impreza WRX wagon? I know that its not cheap, which I'm ok with. I just figured that it would be a little cheaper being that its a wagon, and I would also like to get a heads up b4 I talk to the insurance company P.S. If you have just an RS Impreza or a normal WRX you can also let me know how much that runs too. Either one is fine.. Thanks guys!"
Is everyone with a license who lives in my house covered on my Auto Insurance?
I live in the state of Illinois. My step son has had his own car for 2 years. But it broke down and he needs to get around til it's fixed. I've been letting him drive my car back and forth to work. A friend from work told me that unless he is listed as a driver on my insurance he isn't covered in case of an accident. I always thought that as long as the person driving the car was a licensed driver they were covered. Is my friend right or am I right?
"Two hit and run"" claims in one year ... are they gonna ""stick it to me"" with my insurance rates?"""
One car parked outside my house, got sideswiped earlier this year and of course, I had no idea who (middle of the night hit and run). I made a claim against the insurance to fix it, and they ended up paying out about $750. My OTHER car had the same thing happen to it yesterday morning (I found out when I went to go to work) so I got an estimate at lunch and it's gonna be at least $2500 to repair THIS damage (at the insurance companie's preferred shop). No suspects, no witnesses, nobody to point the finger at. $250 deductible I can manage to scrape together, but ... will my insurance company (Nationwide) hike my rates, and if they do is it likely to be a little"" or ""a LOT""? I've had them for four years"
I live in the State of Maryland , im 19 & recently moved out of my mom's house, because of this, i have no financial ties with her including health insurance. I plan on getting a job next month. Does anyone know how easy or difficult or if its even possible for me to get my own health insurance? The reason why health insurance is so important to me is because i have a pre-existing condition and im on chemotherapy like medication. Will i have to go through the state? I plan on starting school in Spring, will the school health plan be an option? I also plan on looking for a job next month, does anyone know any jobs that could give full coverage & under what circumstances? Also when i begin school & decide to work only part time, will this affect it? Thanks in advance:)"
Will this reduce my car insurance premium?
Hi! I'm 16 (about to turn 17) and I'm considering if I need to learn to drive yet. Even if I did pass my exam now, I wouldn't be able to actually get a car, mostly because of the ridiculous insurance premiums. However, if I did take my exam at 17 and then didn't actually get a car until I'm 23 or something, will that extra time since I've had my exam reduce the cost or insurance at all? Or will it cost me the same to insure a car if I took my exam when I'm 23 and buy a car the following day? Thanks!"
Can police tell if you have insurance in NJ by scanning your license plate?
I was let go from my job and my insurance dropped me from lack of payment, I needed the money for rent. Anyway, I gotta drive to work to make money so I can buy a new insurance plan so im wondering: Can police tell if you have car insurance by scanning your plates? I have an insurance card still thats good"" for 4 more months. also"
"Buying a car tomorrow, being added on to parents insurance, do I pay up front or ?"
Buying a car tomorrow, being added onto parents insurance, do I pay up front or am i just added to the updated rate the next month?"
What should I expect the other party's insurance to do about the damage to my car?
While my car was parked on the side of a city street, Dodge Ram 2500 backed up into my car, hitting it at the rear drivers side tire. The rear tires of my car got pushed over about 5 inches, and now the tread on both of my rear tires have a flat spot, which is definitely from the accident. The flat spot on both tires is minor, but it's noticeable when you run your hand along the two tires. Should I expect the other person's insurance do anything about the minor damage to my two tires? Additionally, could this of messed up my rear alignment? The accident also put a couple decent size dents in a rear side panel, and it pushed out my rear bumper on my drivers side by about an inch and a half. My car is a 2001 Saturn sedan."
Life Insurance help?
I need help in determing how much life insurance I need to take out should something happens to me Facts you may need to know - I have a 1 month old daughter and I want her to be taken care of if something was to happen to me - Her father and I aren't married ~ with that being said is it recommended to leave him some money to provide for her - Also if something happened to me before she is 18 insurance companies I have contact stated that the money would be set in a trust (this is good but like I said I also want to have money available sooner than 18) - Funeral expenses - I am currently am in debt about $4,000 which I am continuously paying down abd I have a car loan $ 18,000 All this being said please help me in determining how much insurance I should take out and how much to leave to her dad and please suggest what other factors I may have left out in determing how much insurance"
What car should i buy a 1999 bmw m3 or 1995 camaro Z28 convertible
they are both stick and under 5 grand. i am 17 and how much do you think the insurance will be. this is all in planning on buying a first car
Is Alan Grayson's Medicare Buy In bill a viable alternative to private insurance? Or does it burden Medicare?
I was initially greatly enthusiastic about his proposal, especially since it was proposed as a cost neutral"" (paraphrased) alternative to insurance companies which increase their rates at every opportunity"
Why can my insurance company ask if I other insurance?
Every year my insurance company denies my claims until I send them a form telling them I don't have any other coverage. Why can they do this? Is there an agency I can file complaint with to try and stop this practice? This seems to me that it is equal to invasion of privacy, if the claim is legitimate why don't they just pay it?"
My insurance company doesnt want to pay!!?
I was struck by an uninsured driver on 02-10-11. Because the driver who struck me was uninsured I was forced to file a claim with my insurance company(Omni Insurance). The car was towed to CJ's collision at 6128 n beechwood Philadelphia, pa ,19138 on 02-11-11. Phone number 215-848-2836. On 02-14-11 Omni insurance sent out an appraiser to evaluate the vehicle. They then faxed an estimate on 02-15-11 totaling $5300 to CJ's collision shop. I went to the collision shop on 02-15-11 to sign paperwork giving them permission to work on my car. They then began the repairs. On 02-18-11 the insurance company then deemed my car a total loss. The vehicle is a 2005 Nissan Altima SL with 96,477 miles. The NADA value for the vehicle is 10,995. According to Omni insurance a car is deemed a total loss when the repairs reach 70% of the value of the vehicle. Omni insurance valued my car at 7,415. They then proposed a settlement offer of 5826.40. They deducted 975.00 in prior damages(which I disagree with) and 1000.00 my deductible. The settlement offer included 386.40 in sales tax. After negotiating on 02-28-11 they proposed an offer of 7835.30. The value they gave my car was 9255. Again 975.00 was deducted and my 1000.00 deductible. They including sales tax and tags/registration fee in the offer. I accepted the offer out of desperation because they also stopped paying for the rental car I was driving on 02-28-11. I work, attend school and have a child my schedule requires that I have a car so I paid out of pocket for a rental car until 03-07-11, expecting the payment to be issued to my lien holder by then so I could purchase another car. I contacted them on 03-07-11 inquiring about my payment and was informed they did not pick the vehicle up from the collision shop therefore they were not issuing a payment. The collision shop gave them a bill of 1750.00 for the repairs they did and the storage fees. The insurance company disagrees with this and refuses to pick the vehicle up and issue my payment. They have also stated this may come out of my settlement offer. The insurance company already has the title to the car and all the necessary paperwork to the vehicle but refuses to issue a payment. It has been a month since I filed my claim and I can no longer afford to pay for a rental especially since it seems I will have to purchase a new vehicle. The insurance company is low balling me and also forcing me to pay for repairs they approved then backed out of."
insurance cost 25 year old
What is the average salary for someone on disability insurance?
The government is very generous by paying disabled people who are unable to make a living for themselves. I heard that they don't get paid a lot of money, but enough to have a cheap living. They could afford a studio apartment, but not a luxurious living. I heard the average payment was $2000 per month."
I'm switching car insurance and it's stressing me out?
The reason why it's stressing me out because the insurance company I had raised my insurance and I never been in an accident etc. I tried telling them I'm on a fixed income and I can't afford alot. I don't know what to do anymore I'm fed up with everything. This other insurance company asked me if I have any lapses if so then he can't give me a low rate for insurance and I never heard of that before? What is that?
Why do teen girls get cheaper car insurance than men?
I see teen girls driving like. Morons all the time. I've also witnessed many women drivers texting their phone, not once have I seen a male driver texting their phone. It's not ******* fair that I almost get totaled because this teen girl at are school accelerates when I go into her lane forcing me to swerve back into mine to avoid being hit? Just yesterday I was driving my MG down the road and this teenage girl in her big Ford pick up texting while taking up both lanes by driving in the middle to drive down a road making me have to take my car off the road to avoid a collision. So how is it fair that I me, a seasoned male driver of the age of 18 have to pay far more in insurance than teenage drivers who have no since of awareness?"
Average car insurance cost for a 21yr old?
no bumps or claims etc, completely clean record"
"Work Mens Auto insurance insured"" me with out a license?"""
insured me when I did not have a license, I let them know ahead of time I do not have a license the man who I had spoken too said that it was alright. I got my license at the end of December I called to see if it would make a difference with my bill they said that he had marked me down as having a license I felt lied too, plus another thing had went down won't go into full detail since I have already cleared it, but they charged me 10 more dollars a month not. [back to rpesent] I hung up on the lady out of being mad that i was lied to & just didn't pay my bill I know stupid. They sent me my cancelation notice & since i was on a year contract I have to pay the rest. I don't know what to do I know partially it's my fault, but I also feel like the company is shady. Any advice? Should I just pay my debts or should I talk to them & try an compromise something with them?"
Car insurance for 19 year old driver?
Hey guys, So I'm a 19 year old student looking to buy a car, more specifically a 1996 Pontiac Firebird. I'm not gonna ask the regular question about how much this costs, 'caus i already tried quotes from geiko, farmstate and all those, but to get a car insurance on that car it's going to cost me around $4.000 at geico which was the cheapest.. Main question: If i don't care about my own car, like if it breaks down or gets destroyed stolen or whatever I don't care caus' it only costs like $4.000 itself. Can I then buy just"" the required insurance to cover third party damage ? I think it's called a Liability insurance? Problem is that I've searched the internet"
Is burial life insurance different from final expense life insurance?
My mom has been wanting to buy burial life insurance but is confused about the terms she sees online. She says she keeps seeing the term final expense life insurance on some of the websites. Can someone explain what the difference in these two terms is?
What happens to a learner driver if they get caught driving without insurance?
basically what it says. id be with my parent and its in the UK.
Can you get motorcycle insurance for summer months instead of all year round?
i want insurance for CANADA only!
Please explain what comprehensive car insurance means.?
Please explain what comprehensive car insurance means.?
Best auto insurance in so cal?
Originally, i wanted to ask what was the cheapest autoinsurance. But now I wanna ask what auto insurance is the most worth it. I'm 21 and i was in an accident were i was at fault. I had my liscence since i was 18 and i was just wondering which insurance company i can get the best bang for my buck. I'm currently insured with all state."
How much will my car insurance increase after a minor accident?
While driving my son to school, my car's right side mirror hit the left-side mirror of the car on the next lane. The mirror has cracked and the back plastic cover has fallen off. No other damage to the cars or any public property. No person was injured. The other car had only the driver. We exchanged driver and vehicle details and I have now informed my insurer who said they will make a case open in case the other person makes a claim (I think she would though as she wanted my details). Now this is the first accident in 6 years, never made any claims (have 5 NCB), no convictions, no speeding tickets, nothing at all. can somebody advise how much my insurance will increase and when? The insurer was not even able to provide an estimate and said they can only say when it comes up for renewal. FYI, nothing has happened to my car and mirror; its only the other car mirror which got cracked. Its a small car (possibly citroen) with FP07 number plate. I have not reported the police or called them as nothing else was damaged except the mirror. can somebody please advise? pretty new in this field and haven't faced this situation before."
I need a list of cars that run on gas and electric?
I am 14 and at 15 I can start driving and I am 15 this year (3 months) and for my first car I want something that is not going to waste my money on gas. My parents are paying for the car but I am paying for EVERYTHING else (I am getting a job). I want a car that runs on gas and electric MUST BE SAFE! 5 stars on EVEYTHING! and that's all I care about
What raises car insurance premiums?
I accidently dented my roomies car with a scratch as well. I was told by a good friend since the car was parked if she took out a claim on it and she didn t list anyone who s at fault (in other words she doesn t know) that her insurance would pay for it. First is that true and if so, would that raise her rates? She told me it would raise her rates. Also she said all it needed was to be buffed, how much do those usually cost? She has a 2007 or 08 Saturn VUE. Because if the buff isn t that much it might not be worth it to challenge her. But there is a possibility the damage might be more then a buff can handle."
How much would it cost for a 50cc scooter to insure?
I dont want l plates anymore i think its 50-100 lol , and how much would it cost to fully insure it and the test aswell. Im 19"
insurance cost 25 year old