• Is Obamacare considered good for poor people?

    Best answer: some seem to think that way but the only good plan for poor people is free
    Best answer: some seem to think that way but the only good plan for poor people is free
    14 answers · 14 hours ago
  • Damage to another apartment - no insurance cover?

    Best answer: 2 very important things to remember about ALL insurance 1) Just cos somebody IS insured against something happening dont mean they HAVE to make a claim on their policy. They ALWAYS have the right to sue the person who caused the problem All the insurance does is make sure they are covered for any expense caused... show more
    Best answer: 2 very important things to remember about ALL insurance

    1) Just cos somebody IS insured against something happening dont mean they HAVE to make a claim on their policy. They ALWAYS have the right to sue the person who caused the problem
    All the insurance does is make sure they are covered for any expense caused by the problem
    2) Somewhere in all insurance policies there will be a paragraph that says something on the lines of "when the insured person makes a claim and their insurance pay them - they abrogate their right to sue the person who caused them to claim in the 1st place"

    the key word is "abrogate"
    This means they give up their right to sue so the insurance company can

    These 2 things mean - that IF somebody has a claim against YOU for damage YOU cause, but have insurance to cover that damage then they have 2 options
    1) to sue you for the damage - problem for them is - this costs them time and money and if you aint got money to pay for the damage they will be wasting their money

    2) to claim on their insurance
    In THIS case- their insurance will pay for all the damage YOU caused
    Problem for YOU is- their right to sue has now passed to their insurer so THEY can sue YOU

    THIS is the bit most people are ignorant about- Most people assume-
    You cause some damage to somebody's property
    they make a claim on their insurance for the damage
    their insurer pays out a sum to cover the damage less their excess
    You pay them that excess and its all over
    IT IS NOT OVER - YOU are still liable to pay the insurer what they paid out to the claimant AND their costs if they have to sue to get it

    Whether they WILL sue is up to them and may depend on a lot of things
    BUT their claimant can still sue YOU for any excess they have to pay if YOU dont pay it

    So YES you have been told correct - But It is not certain the insurance company will sue you - but even if it dont there is a VERY good chance both the girl and the landlord will
    (I would - it costs the girl + landlord very little to take you to small claims - if they have a large excess this COULD lead to you becoming bankrupt and f//k you up for years to come
    If they + insurance companies sue you are gonna be REALLY f//ked up)

    ALWAYS TAKE OUT RENTERS INSURANCE (And make sure it covers public liability)
    Not only would it have covered THEIR damage, it would also have covered damage to any of YOUR stuff, and YOU would have no worries except the insurance MIGHT cost you more when it comes up for renewal
    18 answers · 2 days ago
  • Life insurance?

    hypothetically... if i have life insurance and i kill myself, will my mother get whatever money? to do whatever she needs to
    hypothetically... if i have life insurance and i kill myself, will my mother get whatever money? to do whatever she needs to
    16 answers · 4 days ago
  • Why do people buy life insurances when they don't have children?

    What happens to the money they paid for after they die? Is it automatic for funeral expenses? Even though they don't have children?
    What happens to the money they paid for after they die? Is it automatic for funeral expenses? Even though they don't have children?
    16 answers · 3 days ago
  • Is employer responsible? what kind of compensation get?

    Over 50yo, work for airport baggage, standing, lifting all time, now suffer from inguinal hernia( big bulge of intestine and pressing bladder). Will he can get working related compensation or just state disability insurance? even the surgery arranged 2 month later.
    Over 50yo, work for airport baggage, standing, lifting all time, now suffer from inguinal hernia( big bulge of intestine and pressing bladder). Will he can get working related compensation or just state disability insurance? even the surgery arranged 2 month later.
    11 answers · 4 days ago
  • If someone earning $30,000 a year receives insurance from their work in order to pay for medication costing $60,000 a year and then loses?

    Best answer: Approximately 103% of what the insurance had cost. (What they paid for it, plus what their employer paid, plus about 3% more.)

    The cost of the medication and the persons salary or wage do not affect the cost of COBRA. It is based only on what the insurance cost.
    Best answer: Approximately 103% of what the insurance had cost. (What they paid for it, plus what their employer paid, plus about 3% more.)

    The cost of the medication and the persons salary or wage do not affect the cost of COBRA. It is based only on what the insurance cost.
    9 answers · 3 days ago
  • Since I pay a penalty if I don't get insurance, doesn't that mean I technically should have insurance no matter what?

    Best answer: Yes, under the ACA, but starting next year when you file your 2018 tax return you dont have to be insured. That was overturned. In 2018 when you file for 2017 you still pay the penalty for no insurance. Not technically, but realistically and literally, you must have been covered in 2017.
    Best answer: Yes, under the ACA, but starting next year when you file your 2018 tax return you dont have to be insured. That was overturned. In 2018 when you file for 2017 you still pay the penalty for no insurance. Not technically, but realistically and literally, you must have been covered in 2017.
    9 answers · 4 days ago
  • Question on homeowners insurance?

    I own a home in nyc My mom lives there n she has 24/7 care with private aides. Am I better off getting homeowners insurance or landlord insurance. What questions should I ask and what should I look for in a policy. Also, being in nyc, what yearly price range is fair? Got a pricy quote from one agent who... show more
    I own a home in nyc My mom lives there n she has 24/7 care with private aides. Am I better off getting homeowners insurance or landlord insurance. What questions should I ask and what should I look for in a policy. Also, being in nyc, what yearly price range is fair? Got a pricy quote from one agent who refused to give me any options or different price points. He just kept telling me to think of this as an investment.
    9 answers · 5 days ago
  • How long is the maximum length of time someone can have COBRA for insurance?

    Best answer: It depends on what state they live in, and if they have any critical illnesses. Minimum is 18 months - maximum is 36 months.
    Best answer: It depends on what state they live in, and if they have any critical illnesses. Minimum is 18 months - maximum is 36 months.
    6 answers · 3 days ago
  • Individual health insurance in California Blue Shield !?

    Best answer: There is something called "continuity of care". This means that if you have a medical problem and their isn't a doctor available in network for your continue, the insurance company will work with you to find a doctor who can care for you. - the doctor has to be willing to accept your insurance for... show more
    Best answer: There is something called "continuity of care". This means that if you have a medical problem and their isn't a doctor available in network for your continue, the insurance company will work with you to find a doctor who can care for you.
    - the doctor has to be willing to accept your insurance for this specific case.

    If you have an actual reason for not liking the surgeon in network (not just you get bad vibes from him/her), then you may be able to use the "continuity of care" process to find another doctor. It will likely be with another doctor in NV, unless there is a specific reason to go to California.

    You are not eligible for Blue Shield of California because you don't live in California. Even if you did, the deadline to purchase insurance in California for 2018 was Jan 31st.

    The Affordable Care Act is a law. It's not a type of insurance. The law governs health insurance, medicaid (welfare healthcare), and medicare (pension healthcare). Since you are unemployed, do you mean that you have Nevada Medicaid? If this is the case, you are going to have to go with the doctors they provide. When the government pays for health treatment (welfare), the trade off is limited choices.
    6 answers · 4 days ago
  • How do you pay for health insurance?

    How exactly do people pay for health insurance? It cost SO MUCH money!!! Is there a way to reduce the cost of health insurance so it s more affordable? I wrestle everyday and sometimes things happen so I want health insurance so I m prepared but how do I make it affordable?
    How exactly do people pay for health insurance? It cost SO MUCH money!!! Is there a way to reduce the cost of health insurance so it s more affordable? I wrestle everyday and sometimes things happen so I want health insurance so I m prepared but how do I make it affordable?
    9 answers · 6 days ago
  • If I have health insurance through my workplace and lose my job, will i lose my health insurance?

    Best answer: Yes, unfortunately. That Cobra stuff they offer to people who lost their jobs really is more expensive than private healthcare. Try Kaiser for good premiums if you absolutely need constant healthcare, otherwise risk it and stay healthy with your common sense until you land some other job.
    Best answer: Yes, unfortunately. That Cobra stuff they offer to people who lost their jobs really is more expensive than private healthcare. Try Kaiser for good premiums if you absolutely need constant healthcare, otherwise risk it and stay healthy with your common sense until you land some other job.
    11 answers · 1 week ago
  • Can I add my mother and sibling to my health kentucky insurance?

    I am planning to live with them soon and I will have the main income in the household. Mother is 50 years old and brother is 20. I will basically be the provider to the family with a new job and the only car for now. I want to purchase a health insurance for all of us but I don’t know where from and how to go... show more
    I am planning to live with them soon and I will have the main income in the household. Mother is 50 years old and brother is 20. I will basically be the provider to the family with a new job and the only car for now. I want to purchase a health insurance for all of us but I don’t know where from and how to go about it. I will probably be making around $40000 annually before taxes.
    9 answers · 1 week ago
  • Can i take my father to court about our health insurance plan?

    So my father has to have me in his health insurance plan till I m 25 but he doesn t want to give me a card or the information to even use it. I m also insured by the state. They are willing to pay for my appointments but they won t pay for my medications. I m in need of my medications because I am pregnant and I... show more
    So my father has to have me in his health insurance plan till I m 25 but he doesn t want to give me a card or the information to even use it. I m also insured by the state. They are willing to pay for my appointments but they won t pay for my medications. I m in need of my medications because I am pregnant and I have a bacteria but I can t get medicine since my father won t give me the insurance card. What can I do? Can I take him to court about this?
    16 answers · 2 weeks ago
  • Can I get a refund for a medical Pre-tax deduction if I’m going to part time and no longer eligible for insurance ?

    So i started my job in October and I signed up for medical insurance, I recently just dropped down to part time which will take effect on 2/18 but my medical pre tax was deducted from my wages on 2/9 is their any way I can get a refund seeing as I won’t be getting the insurance
    So i started my job in October and I signed up for medical insurance, I recently just dropped down to part time which will take effect on 2/18 but my medical pre tax was deducted from my wages on 2/9 is their any way I can get a refund seeing as I won’t be getting the insurance
    7 answers · 1 week ago
  • How do I avoid fees on my HSA account when I no longer have high deducible insurance?

    I no longer have high deductible insurance. My HSA holder is charging me $4 every month but it seem there is no way to avoid it. It's too late to change my insurance and if I put the money into any other kind of account I will be hit with income tax and a penalty. This is extortion. All this because my... show more
    I no longer have high deductible insurance. My HSA holder is charging me $4 every month but it seem there is no way to avoid it. It's too late to change my insurance and if I put the money into any other kind of account I will be hit with income tax and a penalty. This is extortion. All this because my company got bought out and my new company. doesn't pay the fees.
    6 answers · 1 week ago