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Can you help me understand this insurance better?
Please explain this to me- its 200 a month for me and my husband. Hes never sick- 100 percent healthy, i have ovarian cysts and will need alot of ob/gyn appointments which include radiology department to look at my organs, and internal exams thanks Family:$2,000($1,000 per person) Coinsurance 20% after deductible Out-of-Pocket Limit Family:$4,000($2,000 per person) Does not include deductible Office Visit Primary Doctor History and Exam: $35 Copay Specialist History and Exam: $35 Copay Periodic Health Exam History and Exam: $35 Copay ($300 annual max) Periodic OB-GYN Exam Mammogram, Pap Smear, PSA Testing: 20% Coinsurance Well Baby Care Child Immunizations ($300 annual max, ages 0-18) -- Vaccine: 20% Coinsurance Chiropractic 20% Coinsurance after deductible (More Details) Mental Health 20% Coinsurance after deductible, $50 Max. Benefit Per Visit, $3,000 Max. Benefit for lifetime"


How do i go about opening a family transportation company to prisons in PA?
trying start a business not sure how go about it though do i need prison permissions? do i need special licence ? do i need special insurance?


Do you think health insurance is necessary? Why?
Do you think health insurance is necessary? Why?


Cheapest way to get insurance?
I will be getting w car when I am 16 and excuse my lack of knowledge about the technical side of cars, but my plan is to but a 05 plate Astra for 1000 or less which leave me with 1500 to get insurance. If I were to get the cheapest insurance, bearing in mind I will only be doing like 2 miles a day and the car is very small, I would assume it would cost me around 3000. Now, I know about 'fronting' but what if I was put down as MAIN driver for MY car and in put my mum and dad down as named drivers, I would guess it would then cost me around 2200, can anyone tell me if this would work please? And if not why? My parents would pay for tax and Mot and that stuff! Thnx guys"


Am I eligible for Affordable healthcare act?
55 years old, no income this year. Pre existing condition. Florida resident. own non homestead property. The way I heard it, no job/ no income people aren't qualified. I lived off savings all this calendar year. I own real estate, and have been trying to sell it. If I own real estate, non homestead, I do not qualify for Medicaid in Florida. What do bIneed yo do?"


Life Insurance question?
current I have a life insurance policy here in the US, but will hopefully be moving to Canada in the future, will it still be valid there or do I have to find another company in Canada in which to have one?"


How will the insurances work out with 95 car accidents at one scene?
Just wonder because of news yesterday at California highway. I don't know about law in that state but what if it's like this in new york where I live. Ya know whoever fault will pay by their own insurance for repairs and injury for victims and a vehciles. Same for most state. How would 95 different insurance handle it? It might will have several lawsuits. With 95 cars, hard to say who started the accident and whatever if it's one person cause 95 altogther or all 95 is fault on it own. Some may not even have insurance. There would be 95 different drivers so it will be 95 different verison or story of what happening."


What is the minimum amount of auto insurance required ..by law on a financed vehicle in CA?
What is the minimum amount of auto insurance required by law on a financed vehicle in CA?


A few questions about health insurance (recent college grad still on parent's insurance)?
I asked a similar question yesterday but realized I was a bit vague. So, here's my situation. I am a recent college grad working a job that does not offer me health insurance, and I receive excellent coverage under my parent's plan. I recently went to a job interview for a position that offers insurance, but I would have to pay a pretty large chunk of change for it monthly ($500+, which is a lot if you're working an entry-level position), and the coverage isn't nearly as good as my current plan. (For example, I currently pay $3 for a three month supply of my prescription. The new plan would charge me $30-90 for the same amount pills). I saw a clause in the Affordable Health Care Act that said I would only be able to do this after January 1st, 2014....I really wish this went into effect in 2013 instead! So, my questions are: Can I opt out of this insurance and remain on their plan? If I were to take this job and the insurance plan, would I be able to re-enroll under their plan if I stopped working at this place and worked at a place that didn't offer insurance? (I'm under 26, and my family's plan covers both my parents and another sibling)"


"Life insurance question - whole life, bank on yourself/infinite banking, term life?"
Hello, my husband and I are in early 40s, with a 1 year old son. We both work full time. We bought a house on a 30 year mortgage last year. We are looking for a life insurance for each of us and inquired the same company that has our car and home insurance about it. We arent really knowledgeable about various insurance products. We knew there was term and permanent life insurance, but not about different permanent options (whole, universal, etc.). I had imagined that we would go with a cheap, term life insurance. When we talked with the agent, he started off by talking about bank on yourself (infinite banking) concept. We finished the meeting without digesting all the information, but after looking at various information on the web, Im still not sure if it is a good idea or not. What we want the life insurance to cover if one of us dies now/soon is at least half the cost of raising our son (until hes 21, so maybe 20 more years?), half the remaining balance on the mortgage, funeral cost, and amount we would have saved in the coming years for our sons college. I tentatively calculated that to be about 300,000. However, if we dont die until were 70, most of our mortgage would be paid off, we would have already paid for his college tuition, so we dont need that much coverage. I have read that people should re-examine their insurance needs periodically and adjust their coverage from time to time. But then I imagine if we re-examine and adjust our coverage when were 50, 60, or 70, our premiums would be much higher (assuming adjusting our insurance=change to smaller coverage would be equivalent of starting new policy; please let me know if this is wrong). I wonder, if taking a whole life policy and taking the money out (=banking on ourselves) for our sons tuition and some additional principal payment on the house would be a way to adjust the size of our insurance, without increasing the premium (from refreshing our policy at an older age)? If we take out that money from our policy and not pay back in full, then I imagine our death benefit would be smaller, but thats fine if its after weve paid for most of our mortgage or our sons tuition. Is this thinking on the right track? What I understood before is it is usually the best to buy term insurance and if you have extra money, invest in other vehicles, rather than buying more expensive insurance. Would this still hold true in this case as well? Also, if we are to look around into other companies, which ones do you recommend? I also dont quite understand paying back what you withdraw with interest when you bank on yourself. Who are you paying the interest to to the insurance company (theyre making profit, Im losing money), or myself (we're making money)? Another question: in the whole life scenario that the agent showed us, the cash value does not seem to exceed the totally premium paid until 18th year (cash surrender value in non-guaranteed illustrated values), and in guaranteed values scenario, the guaranteed cash value never exceeds totally premium paid. Is this common? Its dividend also never seems to reach the point where it pays for itself (amount of dividend >premium). Does this seem right? I would appreciate your input. Thank you!"


Does having a coupe or a sedan affect your insurance rates?
I'm going to get a new car, and realy want a coupe, but I heard that insurance cost more because is more sporty. Can anyone help."


How do I??? Register and insure a car in florida without a license
I need an interlock device installed on my car before i can get my license back, but i don't have a car.(need to show proof of it's installation before they will issue my restricted license) Can i register and insure a car in Florida without a license so i can have the device installed so i can then go get a license?"


Do I really need travelers insurance?
We are taking a trip from Oregon to Cancun Mexico soon and am wondering if I should purchase travelers insurance. We are going to purchase airline tickets directly from Delta Airlines and also from our chosen hotel. I'm thinking that if there are any problems, the airline and hotel would take care of it. What are your thoughts?"


Would a Honda Rebel 250 be a good starting motorcycle?
I still do not have my license. I intend on getting it soon. I've waited too long to get it. But I would like to own a motorcycle instead of a car. I don't live anywhere near the cold so, icy roads aren't a problem. And I am 5 foot 2, so I'm guessing this would be a good choice of motorcycle. Oh, and if you own a motorcycle, could you answer a few questions for me? Do you need a special license for it? And is the insurance a killer? Thanks for all of your help."


Car insurance // Policy holder..?
I am the policy holder to my new car. We all know insurance can be a bit of a nightmare, therefore I was put down as a named driver on the insurance which is in a family members name.. Can I be the policy holder, but secondary on the insurance (.. My car + Cheaper option for car insurance = wrong/illegal thing to do? )"


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Why is home insurance going up when home prices are going down ? Are we fleecing the sheep ?
Jif,It would cost 160,000 to replace my home and they say I have to carry 300,000 of insurance.This is Allied Ins. who can I call to see if they are being honest?"


Is it worth paying over $100+ car insurance?
I'm currently a college commuter and I drive a 1997 Toyota Corolla DX sedan with over 180k miles on it. My insurance company is GEICO and they put me on a 6 month payment plan where my premium is $839. Now the thing is that I pay about $140 a month for 6 months until that total is paid off, but is it worth paying $140 car insurance for a car that was manufactured in 1997 with over 180k miles and doesn't run or look to good at all. Should i try to finance a preowned or used car? If so how should i do it? I know there are many options in paying for a new car, but I'm 19, in college, working at Walmart part-time, and own a online business. Tips are appreciated."


For my 1st car should i get a 2008 honda accord or a 2008 maserati?
My dad told me that i can get any car that i wanted and i want either a 08 honda accord or a 08 maserati????help plzz


"How motorbike insurance works? i.e group 1, 2 ect?
Im curious to how motorbike insurance in ireland or europe works! You often here that a group 4 bike is cheaper then a group 3. how does it all work?? do they judge by the modle make or what? Im nearly 18 and i want to get a CBR 250cc so what group would that be in? plus how can you find out which 250cc bike is the cheapest to insure??? Thanks


Car Insurance Estimate - Looking to buy a car but need to know if I can afford insurance.?
18 year old male License 2 years 1 accident rear ender >$1000 Fulltime student at Virginia Tech where car will be the majority of the year Employed No tickets. I'm looking for a sports car like a Mustang but if the insurance is too outrageous then I'll just get something else. Thanks for anyone's help!


A new car ? when does the new insurance apply?
does the new carpet needs insurance from the financial company


Life insurance for deployed contractor?
Hello everyone - my husband is deploying with the US Govt as a contractor and I want to get additional life insurance coverage for him while he is gone. Do you know where I could find coverage, or where I could look to find coverage? Someone out there must cover these contractors who are doing the same thing our military members are...."


"I need to buy car insurance, but not sure what to buy?"
hello, i am buying car insurance for the first time and i'm not really sure how much of each coverage to buy. I'm going with allstate in case that matters. If anyone can help, please tell me like how much money coverage i should have that would cover me well in case of any accident. i don't want no-fault. thanks so much"


Where/how can i get the cheapest car insurance for teen driver in California?
I just got my provisional license and i wanna drive but insurance is too expensive, i was just wondering who provides the cheapest insurance for teens."


Should I get owners title insurance?
This is optional. I know people who have and also have not opted to get it. I am closing on a home soon and want to know if I should pay and get it. It costs about $800.


Can an employer charge women employees more for health insurance than men employees in a group plan?
Yes I'm aware women's policies cost more on the individual market-- but I'm speaking about IN A GROUP EMPLOYER SPONSORED PLAN. What's the point of a group plan being Shared Risk"" if they gender rate it? I'm asking if it's legal for an employer to offer a benefit to employees and charge women employees more the same benefit than male employees? It's a question about it being employer sponsored plan and not a individual insurance market plan question."""


Motorcycle Insurance Question....?
I live in San Diego California. I was wondering how much do you think i would have to pay for insurance if im 20 and my brother is 25? He has an 08 Kawasaki 650R I have an 08 ZX6R


Does anyone know the American Direct Life Insurance trivia question?
To get a free quote for Term Life Insurance, what is the last field you need to enter?"


About Health Insurance?
I just went for a job interview this morning, and it seemed to go well. When I was asked if I had any questions about the company, I inquired about their health plan. She turned a little red and said they offered Blue Cross Blue Shield (not uncommon in my region), but then went on to say The company covers 60% and the employee"


What company provide cheap life insurance?
What company provide cheap life insurance?


young drivers insurance 17



Should I see a doctor if my tailbone still hurts after falling on it 6+ months ago?
During the colder and extended winter when it was on average -10 to -20 degrees where I live, I was going down some concrete stairs leading to my basement door and slipped on some black ice on those stairs and landed directly on my tailbone basically (on concrete!). It's been about 6 months or a little longer and my tailbone still hurts especially when I go to work (I'm a busser). Should I take the chance of going to the doctor to see if I possibly fractured it in a way or does it sound like it's more likely to heal on its own without needing more doctor bills?"


MY Bf got ovi and 6 mo license sus. While driving friends car. Now dmv sent letter saying he needs proof of insurance from his friend...?
his friend wont even talk to us anymore and his lawyer said there isn't much he can do either. All he did was write the friends lawyer asking him to help out


What is the best car and best insurance to go with?
I'm 20 years old new driver I know my insurance going to be high I'm taking A 6 hour road ready driving school but at the end what is the best car I'm not really into cars I'm much more into kind of truck sure enough that would be the best type of car and insurance car insurance that help new drivers not Kill they wallets / bank account


What is the averagecost of health insurance for someone taking 4 types of meds for bipolar and seeing a psychiatrist?
What is the averagecost of health insurance for someone taking 4 types of meds for bipolar and seeing a psychiatrist?


"Can you suggest a good,affordable health insurance plan?"
I am an adjunct instructor at two colleges in Michigan. Neither institution offers health insurance for adjunct instructors. For the last three years I have been getting health Insurance through a postdoctoral fellowship. Now this fellowship has come to an end, and I am in desperate straits. I have heart problems and I need specials medicationss for depression and attention deficit disorder.What do I do?"


Why we need car insurance ?
I'm 20 and my car is 2010 Nissan Altima, my insurance company told me to pay 190 every month, I agreed but later I found the are asking for 220 then 250 for no reason and no ticktes so I cancled my insurance with them and now I'm driving for tow years without insurance and save $6000 from the car insurance,, I never pulled over by police never have one scratch on my car even I traveled to NY and LA more than 4 times ! Why I need car insurance? You do think the person should have the right to choose if he need insurance or not ?"


Is there any affordable insurance plans I can get in NJ( South NJ )?
Particularly Dental Insurance. I am 20,a Part-time worker who also goes to college full time. I am not covered by my parents nor have I ever had insurance. I am one of the many Americans who do not recieve proper health care due to low income however I do need to get Dental Insurance, and Health Insurance. Is there any reasonable companies to look into?"


Can a person with fully comp insurance drive an uninsured car?
Can a person with fully comp insurance drive an uninsured car? I have cancelled my insurance on my car as MOT is over. It's in a garage so don't matter. But if My father takes it to the MOT place can he drive it with his fully comp insurance he has on his car?


"Motorcycle questions? Good old, cheap and cool bike? Insurance?"
Motorcycle questions? Good old, cheap and cool bike? Insurance?"


How much does it cost for the insurance companies to ..provide for medicine?
How much does it cost for the insurance companies to provide for medicine?


Cheapest MPV Insurance UK ?
Hi, I am 29 and just about to pass my driving test (hopefully), I have a family and need a 7 seater... I have been looking at Vauxhall Zafira's but the insurance is going to cost me approx 1050..... surely there must be a cheaper option ??? Any suggestions ? Thanks Lee"


"How much is a no proof of insurance speeding ticket in Tylertown,MS. ?"
How much is a no proof of insurance speeding ticket in Tylertown,MS. ?"


Does a citation affect insurance?
I got a speeding citation tonight apparently I was going 68MPH in a 55MPH but I know I wasn't going over 60 I'm 18 and have been driving for atleast 1 years will this affect my insurance and is there any way I can get rid of it?


How can I get health insurance for cheap?
I am just a student, and can't afford health insurance. I don't wanna get into paying someone a lot of money and than end up with them only covering some health problems, or some portions. This world is so screwed up! Aren't there any good people in the government today who'd help poor students like me with their health? I sware I'm gonna vote for Hillary!"


No insurance ticket?
I got a ticket today for no insurance. I know I can go to court and show proof of insurance and just pay court costs. After I show the court my insurance card, are they going to contact the insurance company to make sure it is valid? I'm sure you know why I am asking."


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