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Insurance...

Posted By: MTinIL on 2007-11-09
In Reply to: If you are not married I don't think you can do that - sm -

I agree with not being able to do that. I cannot get on my boyfriend's insurance because we aren't married but maybe it's state specific or company specific. If they are allowing gay/lesbian couples to ensure their significant others, then allowing ex-spouses or bf/gf to be insured by the other may be possible.


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insurance
I live in Upstate NY and I am an IC also.  I found the best way to go (cheapest) is to join a local Chamber of Commerce and buy a plan through them.   They can offer you the best price for health insurance at group rates.  You have to pay an annual fee to the Chamber so that's the only snag, and it pays to check out different Chambers because each one is different with some being cheaper than others. 
need help with car insurance -
Have had State Farm since I was 16 - my house is also State Farm.  Just found out that almost 2 years ago my now 23-year-old daughter who still lives with me got a DUI.  State Farm is dropping us both.  My record is very good - one tiny accident (hit a pot hole and had to have new aluminum wheel) in over 13 years.  If she could live on her own on her salary I would make her - but she can't.  She doesn't drive my car - I think I have asked her to get gas for me on a couple of occasions - and when we go on vacation she might take a turn.  Any ideas?  What will insurance cost me now - any good companies to go with?  HELPPPPPP!!!
car insurance
I have a teenage daughter on my car insurance (thankfully neither of us have ever had an accident). If you're over 50, you can join AARP and then you're eligible for discount insurance through the Hartford. They saved me about $60.00 a month over any other insurance I had previously. If you meet the age requirements, look into it.
insurance

My son had a DUI and the ins was going to cancel us but they said if I only insured myself and my son showed proof of other ins that they'd keep me.  Could this work for you??  Just a thought...


PIP INSURANCE

Everyone who lives in Florida should be aware that the PIP insurance as we know it is soon to expire on 10/1/07.  Please go to the web site http://www.wpbf.com/index.html.  In the center, scroll down a little in the middle is a survery that asks Do you think personal injury protection (PIP) should be eliminated?  Please go on line and vote NO.  Send this email to everyone you know.  We want hundreds of votes.


Also, please send a letter to Governor Charlie Crist,o to Speaker Marco Rubio and Senate President Ken Pruitt.  You can find their email addresses on MyFlorida.com.  It is very important that they add this to their agenda on 6/12/07 for their special session.


 


Thanks for your help. 


Insurance
Did you start a claim with the existing insurance? This happened to me, I had to do the cobra until my husband's new insurance kicked in, and they accepted the pregnancy not problem. I would call your current carrier and ask curiously. Some insurances dont have a problem as long as there was no gap without insureance. It so happened that the new insurance picked us up in just 30 days and we only paided the cobra for one month. I think when it comes to pregnancy, pre-existing does not apply, as long as there was no gap. Check it out. It was awhile ago for me.
Insurance sm

It sounds like you're a great friend and neighbor!


Our neighbor never gave us their insurance information.  Our situation is a different because in addition to physical scars, our daughter has emotional scars from this dog bite that will take a long time to recover from. 


I did some research on the dog bite law.  Sometimes insurance companies will cancel the homeowners policy if there is a dog bite on the property.  If they don't cancel it, the insurance premium will increase by a lot.  I think this is why they didn't try to go through the insurance company and thought we would accept this small check. 


We believed them when they said they would take care of everything.  I guess we're just too nice!


but you do have insurance, it's the same
I didn't have a job, even though I do.  It's lying.  It's fraud. 
Pet Insurance
I have some pet insurance. It is $17 a month for each dog. I figure, for $200 a year, if the dog lives to be 15 that would be a total of $3000 over the life of the dog. Which can be less than the cost of a single operation.

So I got the insurance. Andy had a minor surgery (removal of keratocanthoma) that came to $600, including $200 to have his teeth cleaned (not covered). After the deductible I got a check from the company for $300. I was pretty happy with that.
insurance

Does insurance cover any of the cost for implaints or dentures?


no insurance
I just got my teeth cleaned and you just call the office and tell them you are uninsured and they offer you a much cheaper rate, they charged me 75 bucks.
how did this become an insurance debate???
I posted simply to relieve some stress and anxiety...sheesh!  THANK YOU to the sincere posters expressing their sympathy...to the rest of y'all who turned MY post into a petty debate...!!!
Health Insurance
Does anyone know where I can get family coverage?  I live in NY and I am taking an IC position.  Thanks
Homeowners insurance ? (sm)
I'm wondering if anyone has heard of this happening.  My niece spilled a small bit of bleach on her carpeting, about the size of a baseball.  The spot is in my brother and SILs living room.  There is also a small spot going up their stairs.  So, they called the place where they got their carpeting (about 3 years ago) to see if there was anyway they could fix it, and they informed them that the homeowners insurance would cover this and that since the carpeting is wall to wall, they should be able to get the entire house re-carpeted.  Does anyone know if homeowners will really pay to have your entire house re-carpeted just for a small bleach spot?  If so, I am going to call about our kitchen floor that has a large scratch on it from our table!! 
Those *studies* were done by insurance --sm
companies who do not want to pay for the workers' comp cases and people that have gotten it. Just another *scam study* so they don't have to pay...just like the Katrina thing...where flooding caused by the hurricane is not covered because it is flooding.
My son's insurance would not pay for Nexium (sm)
but it would pay for Protonix (none of the others worked anymore - Zantac, Pepcid, Prilosec).  He has GERD and Barrett's.  Anyway, he has been taking the Protonix for about 3 years now, and it is still working great!  He never had to go on the Nexium.  But I guess each person might be different.
Health insurance, so not sure.
My copay is the normal amount though, so it may not be too expensive. Our more expensive drugs will have a higher copay. You might see if your doctor has samples, just to see if it will work for you.
This is w/o health insurance either - sm
though ours is cheap (but very, very good). We only pay $140 a month for 4 of us. Of course just about every few months (if not every) something unexpected crops up too, car repair, etc.
insurance scam
this girl is looking for more than just medical expenses, trust me. Same thing, went to hospital and had x-rays, nothing wrong, then all of the sudden, couldn't hardly walk. How do I go about this with absolutely no one knowing it's me who is turning her in?
Insurance Scam
Usually, I am the type of person to pretty much tell you what's on my mind, but hubby doesn't really want me to say anything to her because he is good friends with her hubby and figures if I upset her, then he has to stand by her and that'll end their relationship. With me, it's what you see is what you get and I tell it like it is, maybe that's why this is bothering me so much. I always mind my own business too, but for some reason this is just bothering me more than I should allow. I am fearful of her even coming to our home, falling and getting hurt, then suing us; or even having her in my vehicles now because of what I am seeing - a woman I thought I knew but now see this dark side. She is figuring on going to court if they don't give her what she/lawyer wants and I already told her "not to count on me to testify in her behalf" because I totally am in disagreement with what she is doing". She said nothing to that comment. Hubby figures no way she'll get what she is expecting due to no surgery and it's just a strain, but I have seen people fall in sh__ and come out smelling like a rose, and she is one of them. I agree with other poster, she has turned in all claims to private insurance so maybe they'll check into that. They already asked to access past medical records and lawyer said no, that it has nothing to do with this, but that was early on right after accident. I am not afraid to say something to her, I am just not sure if I should, especially since my hubby really doesn't want me to. He cannot even stand her anymore and they used to be fairly close and tease each other as being bf and gf; that's how close we were. Also, secretary is my neighbor - go figure. We just leave that subject alone when together. I don't know what I am going to do, if anything, and I think you are right, I just need to address this issue directly with her because it's not in my nature to talk behind someone's back like this. I only have 1 face and do not particularly like myself for talking about her like this, though until now, I have only talked about it with my hubby. Thanks for all your advice.
Homeowner's insurance
Just a heads up depending on where you live in the NE. I live on Cape Cod and the insurance companies have almost all pulled out of this area because supposedly we are due for a big one some day. Even though I live 7 miles from the ocean, my company dropped me, and I had to go on the state-sponsored insurance program. My insurance is now $2000 on a $350,000 home with a $2500 deductible which does not include wind damage. That has a different deductible based on percentage of damage, maybe 1%? Can't remember right now. It's not that expensive compared to Florida, but we haven't even bit hit by a big hurricane. They just think we MIGHT be some day.
So you are saying you do not like insurance companies????
 Belly 
Medicare is first insurance
Any of the insurance  plans I have seen only go to age 65 even if you are working.  They might work hand in hand with Medicare as your supplement but this is often expensive unles your employer continues to pay for it.   They will use Medicare as the primary  and your other insurance as the secondary.  
We pay nothing on Hubs insurance
so then this is next year for me although retirement age not actually until 67 for me. Drats- was wanting to stay on his PPO, no cost to us and really good covering all. I have until March of next year to contact them now.
I have hepatitis C and my insurance is thru him (nm)
x
Are you sure you have the traditional insurance?

You won't believe the number of providers who try to balance-bill their contracted HMO patients.



Have you called your insurance company to see what you really are responsible for? If you have the old type of health insurance and the provider is a participating member, you may be responsible for 20% of the usual and customary (U&C) and not the entire billing charge.


How are you feeling? You sure don't need medical bills on your mind, all you should be thinking of is getting better. And, as the other poster stated, as long as you are making payments, you should be OK. Just don't let them talk you into a large monthly payment. Be honest with yourself and agree with what YOU can afford.


As for extra help, it depends on where you live. Are you the only person working in your household? You might not like the idea, but you might need assistance from your state.....this is nothing to be embarrassed about. It is your right as a US citizen. Go for it!


You have already gone through one nightmare, at this time you don't need a provider pressing you for more money then they already have received. Sure, they are due their money, but they are due their fair share. Hospitals and even some doctors overcharge so much! Why don't you request an itemized bill...then go over it with a fine tooth comb. You might just find some charges that were added to your bill by mistake.

 

Get well!

cobra insurance q

i have the option to have cobra insurance but have not done so.  As luck would have it now i am sick.  If i call tomorrow and pay for the cobra insurance will they cover me if I go to the doctor the next day? is there a waiting period or pre-existing condition clause? TIA


Did insurance cover this or how much?
nm
Yes, insurance covered it.
There was a pre-certification process, which included photographs. Ugh. It took about a month to get the approval. It was 100% covered through my insurance.
Do they have homeowners insurance? sm
That's who I would have filed the claim with.
are your taxes and insurance in with
the house note? By the time you have to pay for these out of pocket, will you realize much difference; I'd say keep paying your house notes and work on the other stuff; just my thinking. DO NOT TOUCH THE 401K; you will be horribly taxed on it as income. Actually, you guys are not that bad off debt-wise, know it's crowded, but you can survive for awhile yet and may another addition to the house would be feasible later; sounds charming, I love rock houses. If you have land, I'd say hold onto this deal, land's getting harder and harder to come by. For sure you don't have homeowner's agency to contend with. This will get better; just keep on keeping on. Good luck.
Insurance for Pets
I wonder if there is insurance that covers illness in addition to accidents. We had a dog who had Cushing's Disease and the treatment cost us a small fortune.
Insurance and pitbulls
Yea insurance companies have a "black breed list" that usually include Pitbulls, German Shepherds, Boxers & Chow Chows. Some pitbulls have that aggressive nature in them that can be brought out, but you have to trace back to the breeder & get the history of that dog's mom/dad's temperment.
Health Insurance
I pay $240 a month for mom's (49yo) health insurance. This is for medical insurance plus a dental & vision discount program. She doesn't go to the doctor alot but when she does go there is always a remaining balance anywhere from $40-$80. Hospitalization through the insurance is set at $5,000 deductible.  I am just wondering does this sound reasonable or is there anything else cheaper with good coverage or same coverage????  I checked into BCBS but they are SO expensive.  Any input on this is greatly appreciated.
Insurance did pay some of mine
I have insurance through union but a small portion was paid, but most dental insurance not very good in the first place.
Insurance companies always get --
past medical records, no matter what insurance company you apply with. Once they get the records and the diagnosis is documented on your record, it is considered a preexisting condition.
You can do that, sure and then have your insurance cancel
You are supposed to disclose any prior diagnoses.
2 of the 3 were covered by insurance

We changed insurance plans back and forth between my husband and I during those years and 2 of the 3 did pay for it.  We paid for the second child's circ and it was only $110.  We really didn't have the money for it at the time, but since we had circ'ed the first one, we thought we should be consistent.


We also had both types of circs -- the first one had the Plastibell, which I did like better because I don't think it's painful at all.  The second 2 had the surgical circ, but it healed much nicer and quicker. 


I think you are right that my kids probably wouldn't have had much of an issue with the teasing if we hadn't circ'ed them since it's become more common not to do the circs.  But after my husband's ordeal, he wanted it done and I didn't really care one way or another.  I think hygenically it will be easier for them when they're crusty old men. EWWW!


that is rediculous!!! Why have insurance if they won't pay??
getting them to pay for it :(
I thought I did not need insurance also
Years ago when I was starting out and did not have much money, thought I could go without insurance. My son fell off a porch, broke his shoulder and had 2 operations and hospital stays. I was working full time at the hospital, worked part time for the orthopedist at that time and had the hospital not made easy payments out of my paycheck for me and the physician did a freebie for me, I do not know what I would have done, thousands at that time. I got insurance after that and have not been without it since. I realized I could not be without it and now more than ever (unless you have a setup like I did), you really need it.
Why was the insurance to go to your deceased
brother's children?  Was there a stipulation somewhere?  Don't know everything about all the ins and outs, but beneficiaries listed on life insurance, CDs, etc. take precedence over a will.  You can Google it.  Unless there was some language 'if a child predeceases me, that child's shares of such and such will be equally divided between his/her surviving children and this is intended to supercede any listed beneficiaries on life insurance, etc. that may not have been changed on such' in the will, then I would think you would be the only beneficiary left anyway, and even if that language was in a will, still very difficult to override documented beneficiaries on that kind of stuff in a will.  That is why it is SO important to be sure beneficiaries on life insurance, CDs, etc. are correct and updated if you want to spare people confusion and grief after you're gone.
Anyone get their car insurance through Liberty Mutual?
I got a quote that is about $130 less annually than what we are currently paying, but I don't know much about them so I'm wondering if it's worth the change. Any input is appreciated! Thanks!
I have had insurance with Liberty Mutual...sm
...for over 20 years, started in South Carolina, transferred to North Carolina, and then Tennessee. Homeowners with them in NC and TN. They paid off my 2 claims quickly with no quibbles.

However, they wouldn't cover my home here in FL. I still have auto insurance with them, but will probably dump them just on general principle when I re-tag the cars in Florida this month.
Looking for input about MC+ insurance for kids. (sm)

Daughter had this on her children while she went to school, now they are asking her to furnish 2 quotes from other insurance companies to see if she qualifies to continuing with MC+ (but paying for it) or not. 


The schools here have big signs up in the hall way encouraging people to apply for this.  Supposedly you can purchase it at a rate based on your income.  I don't imagine private insurance is going to be affordable and her job does offer a plan for her and her children, but not for 2 more months and it is HIGH dollar with low coverage. 


Don't really want anything from the government, but if we can pay for it through them rather than private insurance would sure be interested. 


Not trying to be dead-beat, welfare recipients, but glad to get help if available.


 


I highly recommend pet insurance - sm

Please, everyone with a pet of any kind, consider it.  It can be a lifesaver (literally!), and I personally like the peace of mind it gives me, whether I ever need to file a claim or not.  Try Veterinary Pet Insurance:  http://www.petinsurance.com/ 


There are other companies too, but this is the only one we've used.  It saved us a small fortune when our Rottie got bone cancer in his front leg at just 4-1/2 years old.  After the diagnosis, we got a CT scan (same machine they use for people - $$$) to make sure it hadn't spread.  It hadn't, so we went ahead and amputated the leg (also not so inexpensive).  He felt great, was out of pain, adapted easily to 3 legs and was his old, happy self.  But just 6 months later the cancer was back, and we had to let him go.  Poor baby.  It all ended up costing about $2000.00, and we were reimbursed about $1200.00 from the insurance, so it was a big help. 


I think we just had their basic policy too, not the more expensive one (that would've reimbursed more), but I don't remember.  I think we paid around $300.00 a year for him (including an optional $99 routine care coverage addition to the policy).  The cost depends on the age and breed of the animal, and you can make monthly payments or pay all at once.  They insure all kinds of animals too, not just dogs and cats. 


We have VPI for our 2 youngest dogs (2 y/o Rottie and 5 y/o husky mix).  Personally, we will never be w/o it again on any of our dogs.  It's just such a relief to know you have it.  VPI also has a routine care plan you can add on to the policy (or not) that reimburses part of your yearly costs for shots, spay/neuter, teeth cleaning, flea/tick products, and heart worm meds, and we like having that. 


My oldest dog, my baby, is Wiley, a 12 y/o Siberian Husky.  Much to my regret, I didn't get insurance for him when he was younger.  Now it's too expensive (and they don't cover preexisting conditions).  Same with my senior Siberian, Alexx, who died earlier this year - I didn't have insurance for her because it's too expensive when they're seniors (if they'll even cover you then).  So I'll be paying off credit card bills for Alexx (who was very healthy until the last year or so) and Wiley (mostly Wiley) for yeeeeeaaarrrs to come. 


Wiley's had health problems since he was 5 yrs old, starting with his teeth (enamel hypoplasia, meaning lots dental x-rays, cleanings, extractions - root canals!), then a tumor (spindle cell sarcoma), then a recurrance of the tumor 3 yrs later (the biggest expense by far, due to the extensive nature of the surgery, need for a scan first, a specialist...), and now... immune-mediated joint disease.  If I'd had insurance for him, I would've save myself, literally, *thousands* of dollars (assuming they didn't cancel the policy! LOL) 


We're like you, Hayseed.  Our dogs might as well be our children, and we take care of them accordingly.  ;o) 


Insurance scam by own friend

I am just looking for a few opinions on how I deal with my own friend, in my opinion, scamming an insurance company from an accident for an outrageous amount of money to pay their bills because of some serious debts.  She has a past history of suing others for minor accidents; I found this out later on.  Now, she is claiming not able to perform sex with hubby in order to get even more money.  Right after the accident, she was fine and then decided (maybe she's for real, though I have seen differently) that she is in severe pain.  No one else in that vehicle was hurt, even those seriously tossed from side-to-side.  I cannot say too much because I don't want her to figure out it's me typing this.  Now, my dilemma is I want so bad to bring this to light and do the right thing because now, I cannot even hardly look at her since I have come to realize she is not who I thought she was.  I personally know the insurance person and secretary both, though don't want them to know who I am if I were to call and say, "don't be stupid, don't settle, check past medical history".  Dr. says degeneration of spine is not from accident, but chiro states it has worsened since 2 years ago. I have seen her mow grass with a push mower, do outdoor activities and so on, but when it came to working, couldn't do that for quite some time due to pain.  How do you do outdoor sporting activities, but you cannot sit at your desk at work.  She is a complete and total fraud looking for money....We doubt she'll get what attorney is asking for, but we are best friends with her hubby and with that said, do I leave this alone or somehow bring it out.  It totally disgusts me.  She is fine until people are around and then she starts gimping and grimacing like she's in really severe pain.  I just don't know.  I think about this every single day and it is hard for me not to type or say something to open some eyes to this fact.  She is just lucky she hasn't been on video by an adjuster. 


mine always paid their own insurance
so they can understand what happens to the rates!
I have two teen drivers on my insurance.
One is away at college and is not allowed to have a car on campus. Since he's paying for, or has earned scholarships for a good portion of his tuition, we pick up his car insurance as a secondary driver on a very old Toyota that he inherited from his grandfather. My second son has had his license for only two weeks. At the current time, as he is a good student, responsible and working very hard at school and on some extracurricular activities, we pick up his insurance as a secondary driver, as well. So far, so good. No one has had any moving violations or dings. In fact, I'm 46 and have never had a moving violation and have only gotten two parking tickets (deserved).
We're very serious here about driving responsibility. The boys know that one speeding ticket and we drop them from our insurance like hot potatoes. No insurance, no driving, no car. No warning. Mess up once, and they don't get back behind the wheel on our dime ever. The boys also know that their father and I mean what we say. We're not rich, but we are happy to be able to help our sons as they work toward their futures. But we won't pay high insurance fees because of their stupidity. More importantly, we've been to too many funerals for young people who died in accidents caused by speeding. I think that because of this, our boys seem to have taken their driving responsibilities/privileges very seriously.
Ex-spouse on health insurance?

My daughter just told me about a proposal her ex has suggested.  He is close to a thousand dollars in arrears for back child support.  Now he wants to negotiate a deal where my daughter will accept about half of what he owes in exchange for his adding her to his job health insurance.  She is self-employed and has not had health insurance coverage since their divorce. 


I don't think he can do that, can he?  Since he has lied about so many things I don't think she will do that unless he can prove she can be covered.  Even if he could add her, what would keep him from dropping her for spite if there are problems down the road?  Any thoughts?  Thank you.


Divorce is final insurance is gone
Once you are divorced, you are off of his insurance unless you COBRA over but yo have to do that immediately.   He cannot add her without being married and if he does this under the table, it is insurance fraud and both of them can get into trouble.   If he is behind on his support, don't trust him on anything else.  All she has to do is to call his HR department or if she knows what insurance they had while married, call them.   Beware of him he does not sound to be above board and legitimate.
you may wish to consult with your insurance company...sm

to find out how high your insurance is going to leap...she's underage and can't get her own until 18.  Perhaps she can pay the difference, but it's gonna be steep.  And with all her activities, where will she find the time to squeeze in a job?  


In the state we live in you must have a licensed driver over 21 with anyone under 18 who has a learner's  permit for 6 months before they can even take the actual driving test.  Once they got their license then they had to go to a driving class mandated by the state...(under 18 driver's ed at school didn't count)...provided by dept of transportation taught by a police officer in the courthouse and saw a lot of graphic accident films. 


It's scarey out there and at 16 or in some cases even 18 they don't have enough practical knowledge or experience to safely negotiate the freeway or interstates (and don't you think they're not gonna go once you hand them the keys) or steer out of the way of an oncoming wreck or even think about hitting a patch of black ice or hydroplaning.  They're too excited.  


That's where you come in.  Teach her as much as you can before you let her drive.    Cat