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Does real reform start with cost for care or cost for insurance?
reform needs to start with cost of care not cost of insurance. they are two separate issues. i know everyone likes to blame the ins. companies but for the most part they are just paying claims. claims drive rates. cost of services drives claims. unless we start there it will fail financially and bankrupt the country further Doc's understand this, and they booed when Obama told them he wasn't going to do anything about one of the major drivers of cost, malpractice and the insurance Doc's buy to cover for it."


In New York: Best health insurance on the cheap?
This information is for my stepdaughter and her family. After long term unemployment her husband recently went back to work as a trucker. He might bring home around $500 per week. They presently have no health insurance, although she said a New York State program would cover her two younger children. This leaves her and husband uninsured because his new job has no health coverage. Somehow she found a company willing to insure them for around $200+ a month. What this insurance covers I do not know. (By the premiums, I don't think much) The problem is they don't have much more than the $200+ to pay per month. Can someone tell me how to find(in New York) legitimate insurance companies with affordable cost? Also how can I educate myself on health insurance, the details, so that I can advise them correctly? They're in their late 30s and in reasonably in good health. Any an all advice greatly appreciated Tony"


How can anyone afford private health insurance in USA?
I'm thinking about going into private business in the USA, but I'm concerned about how to insure myself with health insurance. The policies I'm seeing are extremely expensive, and the deductibles are quite high. How do people who start their own business manage?"


What insurance is best for women?
I don't currently have insurance, but I want to start going to a gynecologist to see why I'm not getting pregnant. The co-pays are horrendous, like $150 per visit w/o insurance! I cannot afford that every time I walk in, but I can afford about $80 a mo for insurance, but IDK what kind or which to choose that will help me through the gyno visits, and possibly a fertility specialist. If anyone knows the best route for this kind of medical attention, please provide websites or names of insurance companies that apply to this. Also, I live in a small town in GA and there are NO near-by specialists or anything as such, so I'm sure to have to travel at least an hour or more to get the help I need. No, family planning centers, no women's health centers, nothing! So if there's anyway someone could give advice for that, please do. Thanks so much."


Health Insurance for my son?
I need a low cost health insurance plan for my son. I live in orange county, CA and I DO NOT qualify for medi-cal or healthy families. I make too much money. I do not need health insurance for myself because I can still be on my parents insurance until im 25. My work also does not offer health insurance."


How to fill out insurance quotes?
Ok first I'm going to explain the situation. Since I was 17 I drove with a licensed driver, and with my permit. When I was 18 I got a ticket for Under 21 drink and drive. It's a petty misdemeanor on my record, and I only got my permit suspended for 30 days. Just two days ago I got my license and passed my road test, I'm 20. I have a car picked out to buy so I've been looking into insurance quotes. However my ticket was never for a DUI and they never give me the option of what my ticket actually was. How do I go about this? Does it count? The quotes I've gotten back are 150-220 a month. Can someone help, or recommend an insurance company. I also qualify for driver's training discount, and good student discount."


Title Insurance / Owner's Policy?
Hi, I am in the process of re-financing my mortgage on the property that I have bought two years ago. I have received the below email from the re-financing company. I see in HUD statement that we have Title Insurance at the time of closing. Also, title search has been done. Is the title insurance different from Owner's policy? How bad is this? FYI, I have had a lawyer, RE agent when I bought this property. Also, please let me know what kind of insurance should I be taking going forward? Thanks for all your help. We are trying to clear the first mortgage from title but the property was owned by PREVIOUSOWNER. Can you please find out if CURRENT OWNER(myself) purchased an owner's policy at the time they purchased the property from PREVIOUS OWNER. If they did purchase the policy we will need a copy of it."


Can a family friend put me on their car insurance?
So i live in the state of california. I have had my learners permit for more than six months now. I want to get my drivers license but due to the economic crisis my parents aren't able to pay every month to have me on their car insurance. A family friend has offered to put me on their car insurance, but what my parents want to know is if that is legal in the state of california or do I HAVE to be insured by my parents?"


Need help on insurance rates!?
what would be the insurance rate on health insurance, by 2 diffrent insurance companys..i need the insuer, the type of coverage chosen on an ammount i would pay for the coverage..with the insurance their is a minimum coverage and beyond.. help!"


Do older cars have more expensive insurance?
Such as a 1990 Mazda RX7 FC or a 1993 RX7 FD. I heard the older the car is the more expensive the insurance is. I live in California and thinking of getting one of those two cars for my first car.


What is the average yearly cost for house insurance?
2 story home 100k 900 square feet Heated my electricity 2 car garage Decent neighborhood 3 bedrooms 2 bathrooms we are buying our first house. I am aware that prices vary, but I don't know where that range begins and ends. Any help great"


Which is the best car insurance coverage for an affordable price?
Right now I am insured with Allstate. I am under an Allstate plan called the gold protection plan in which I will be eligible for a new car if there is an accident. I think I am paying a liitle too much for car insurance. I have a 2004 Honda civic and a 2006 Honda civic. Both cars has full coverage. Does a two year old car need full coverage. I am a safe driver and so far there have been no accidents. But two times some one came and hit my older car and both times the damage was covered under the other party's insurance. Is comprehensive coverage enough for me or is it a good idea to keep the full coverage. Any recommendation.


"My Parents had Car Insurance with the SAME Agent for over 25 years.,?"
last week, my Dad had an accident doing mild to moderate damage to both vehicles, no bodily damage to anyone. wouldn't you know, my Mom had not paid the premium and was about 1 month behind when the accident happened. Do they have any rights what so ever, if the agency tells them .. Tough Luck.. too bad so sad?? Please give me any possible insights you might have.. I would be so grateful. Thank you!"


"Hi there, Any one can tell me ``how can I get cheap car insurance in london?``?
I`m 28 years old. I got uk full licence in 11/2012 I have Toyota starlet 1.3 car It`s 1999. plz any one can tell me how can i get cheapest insurance. cheers.


Why is motorcycle insurance so expensive?
im looking into a 600 katana with a clean driving record and taking the safety course insurance is still very high like 240 a month just about everywhere with 1000 deductables why is this? what bike would be cheaper on insurance thats kinda sporty still


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What lowers insurance for a car?
I am a 21 yr old male, and I know that I fall under the category of drivers who are not married, male, below 25 so insurance will be more expensive on me. What I want to know is what features make a car insurance less expensive? I know one big one is that it is a sedan and not a coupe. What else? (What are the big insurance savers?)"


How much for car insurance for a 17 year old?
I live in Florida by the way.


What is the Mustang classed under for insurance?
i was told that insurance companies class it as a sports car"" and will the insurance be high for a driver who: has slight ADD"


Is it possible to obtain a learner's permit without having my parents' insurance rates go up?
I am a 16 year old in NY and my parents do not want me to obtain a learner's permit because they are afraid that their insurance rates will go up and they cannot afford it now. Now, a friend told me that I could go to the NY DMV without my parents and get a learner's permit. Is this possible? I would like a learner's permit not only for the ability to drive, but also as a solid form of photo ID (like, instead of a passport). What should I do about this? PS. My parents won't be convinced."


How does health insurance work - when insurance premium can generally increase?
If family of two have health insurance, and one of them decide to use it for couple medical procedures will insurance policy premium go up? Please advice. Thanks."


Will buying a previously wrecked car drive up my insurance?
Im a new driver and my parents want to buy me an Acura TSX. I found one online and went to test drive it and found out it had been in a moderate car crash, but had been completely fixed and repaired. I went to the mechanic and he ok'd the car for me. We want to buy it, but is the fact that the previous owner crashed it going to drive up the cost to insure it?"


Would a speeding ticket go to the lead insured or the owner of car?
my dad is the lead insured, my mum and i are named drivers, but my mum owns the car. Who would the speeding ticket be addressed to?"


I think my son has mumps?
He had a high fever for three days and now he has swollen glands in his jaw/cheek area. He doesn't seem that sick and we do not have insurance, so what do I do?"


How much cheaper is bike insurance (if at all) than car insurance?
i am 18 and am torn between the two, i will go for the cheapest option. as none of my parents can drive i cant be put on one of there policies :( so id have to start from scratch. if i am to insure a bike im lookin at insurance for a bike of 125 cc."


Does my car insurance help me get another car if my car is totalled?
I was in a car accident last week, which wasn't my fault. The auto body shop said my car is totalled because of the damages, it can't get fixed. The other person's insurance is going to pay it off because of the loss, I have full coverage and my question is, can my insurance get my another car or do I have to get it myself? I got it in April, gave a down payment, and have only made one payment. I need a car badly for work!!"


Do you need car insurance to put a car under your name?
I like eggs.


Minor accident no damages other driver files claim saying i damaged her car?
I was backing out of a parking spot after dropping my son off at daycare. There was no cars behind me, so I started pulling out. Another car raced up behind me honking at me and not stopping her car trying to swerve around me. I hit my breaks and hadnt moved but a couple feet out of the spot. She hit her drivers side door against the tire I have on the back of my car while she tried speeding past me. She got out, claimed I backed into her (I looked at both vehicles and there were NO damages at all on hers or my car). I gave her my insurance information anyways, she refused to give me hers. I was about to call the cops to report it, but she climbed back into her car and said she had to get to work so don't call the cops. She took off. I called my insurance company within an hour of all that happening and reported what happened, and that I had a witness (the building owner saw the whole thing) that would confirm it wasn't my fault and no damages were done. Well 4 days later I get a call from my insurance saying she filed a claim against me saying I backed into her, damaged the whole drivers side door, and she had witnesses (though how she got them when she took off almost instantly is beyond me). My insurance company wants to take a recorded statement from me and my witness. Though he even told me that she didn't seem to remember very many details accurately. He had asked her if her son was in the car (since she was dropping him off) and she hesitated for a few seconds and then said he was climbing out of the car when it happened, which means she's claiming she was doubled parked and at a complete stop when I hit"" her...She's claiming its all my fault and I need to pay to have her drivers side door completely fixed since it won't even open or close (it can"


"Should I buy a Infiniti G35, Lexus GS300, or BMW 328i as my first car?"
Should I buy a Infiniti G35, Lexus GS300, or BMW 328i as my first car?"


The minimum amount your auto insurance must cover per accident is:?
In California is? A. $15,000; 30,000; 5,000 B. $10,000; $25,000; $5,000 C. $20,000; $25,000; $15,000 D. $5,000; $15,000; $10,000 Thanks!"


Question on insurance and license suspension.?
i bought a car and started financing. i got car insurance, but the next day i found a way cheaper one. so i called to cancel the old one, and put a downpayment on the new one. for some reason my other one wasnt cancled, and i have duplicate insurance. i just recieved an email from the expsensive insurance saying if i dont make a payment my license will be suspended. but this cant really happen right? if im making payments on my other full coverage insurance that i want to keep, i still have current insurance."


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What company provides a life insurance quoting engine software to install in an insurance agency website?
I need a software where I can input one (or more) life insurance company rates. Preferably if I have the freedom to input any company and not pre-packaged"" ones. Thanks."""


Health insurance?
I live in pa i work at walmart can only afford my car and insurance on it i also go to school my job won't make me full time or offer me health insurance with me working and going to school am i eligible for anything? My issue is i dislocated my shoulder when i was 15 it didn't go back in correctly hurts like bell now. Last summer my doc had me do physical therapy it worked for a little then my shoulder pain came back and is lower then my left i got told if therapy didn't work i would need surgery but i need insurance. Please help.


I lost my phone and the insurance company ask for proof of blacklisted from network provider . but i had pay as you go phone .is it possible?
I lost my phone and the insurance company ask for proof of blacklisted from network provider . but i had pay as you go phone .is it possible?


Does it cost to switch auto insurance companies?
Mine was renewed {mine renews automatically) in April, but due to a change in finances, we started to look for something lower recently. We found one that is around $40 cheaper, plus offers roadside assistance. Do I have to wait until April to change it? If it does cost, what is the average charge? I know this rate will vary, but my agent is a very rude,and always acts like I am bothering her. I just wanted to get an idea before I called her. Thanks"


My niece bought a car and her ex apparently is the co-signer and has the car. She can't get tags. Now her lic suspd bc he won't get insurance?
My niece bought a car and her ex apparently is the co-signer and has the car. She can't get tags. Now her lic suspd bc he won't get insurance?


My v5c reference number is 12 digits and it does not let me insure it?
what should i do?


What can I do if I was dropped from my car insurance?
I got a letter today, saying that my car insurance policy will be terminated near the end of October, less than a month from now. This is because of a minor accident last December and a recent speeding ticket that I just finished traffic school for. What are my options? Are my rates going to be sky high with another company because of this?"


How much does insurance on a 66 mustang cost?
I'm looking to buy my first car and i dream of buying a 66 mustang that i've fallen in love with only thing is i have to pay for insurance and im wondering how much it might cost. I'd be added onto my parents insurance (i'm not sure the carrier) but I am a female and 18. How much do you think it would run me?


How much would pain killers be with out insurance?
first, this is for a procedure i am getting, to help the pain, well i dont know which one , but seeing if i can get an idea here? like would i expect to pay 20 bucks or more like 50 +"


Is there a website for health insurance quotes?
im goin 2 b 19 & my current health insurance will exp. i need to find health insurance fast as well as as dentist insurance. sum ppl told me not 2 get eye insurance cuz payin da monthly payment vs. getting da benefit isn't worth it. meanin u pay more than u get out of it. but i want ur opinion as well sum other ppl told me 2 go 2 a hospital 2 ask sum ?'s of what health i should get, meanin like find out what im cover 4. like i don't want 2 pay hidden charges. like basically i need help cuz nobody is guidin me on what 2 do after im not cover. like im on my own. "


How much would it cost to import this motorcycle from the U.S to Canada?
this bike costs $ 6000 U.S. How much would it cost to import this bike back to canada. I am looking for all the fees, taxes insurance(if it needs it) every single dollar i would have to spend to bring the bike from u.s to canada. Also if you could list the exact steps that i would have to go through how many days it would take to do everything. I will bring the bike back on a trailer. I have never done this and know nothing about how this works so detail is a must and all the costs are a must to i am looking for dollar amounts. thanks a lot"


"How much does 2,000,000 liability insurance cost for a heating business in Ontario?"
Looking to start a heating repair business in Ontario Have my G2 and 2 well experienced staff, need to know how to start up"


Life Insurance for my parents?
My sisters and I are planning to buy life insurance for my parents. Being new at purchasing life insurance, I think we may end up just getting term life for my dad because of his age and health. My dad has health problems - diabetic. I'm not sure how life insurance works, so any suggestions or advice would be appreciated it! Thanks."


What are the greatest auto insurance problem you face or ever face and how did you solve it?
Friends,what are the greatest auto insurance problems today?"


Can i change a court order insurance?
My kids have been on medi-cal since i separated with their father and it has been great. I have a child with special needs and we were able to go to the best clinics in town like UCSF and Stanford. i felt that my child gets the best medical care. The court ordered the father to provide a new insurance and we came to Kaiser last year. In almost a year dealing with Kaiser doctors i don't feel the same professionalism and quality of care as we used to get being at different other clinics. I started to think of changing the coverage to what we had prior to this. But i am not sure how i could change the court order and what evidence i need to provide asking for the change. Kids are still on Medi-cal, but its their secondery now."


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