• What is the point in buying life insurance that builds cash value if the insurance company will take every dime through a "Surrender charge"?

    They will take all your money if you cash out. The policy is only good for death only. Why even have a policy that builds value when it DOESN'T.
    They will take all your money if you cash out. The policy is only good for death only. Why even have a policy that builds value when it DOESN'T.
    7 answers · 8 hours ago
  • Would home insurance cover this situation?

    I recently saw video of the recent volcanic eruptions in Hawaii and in it they showed a house that was almost completely surrounded by lava flows but never actually burned the house. The lava flow has now solidified, however the home is now basically unusable. Assuming the lava flow doesn’t continue and the actual... show more
    I recently saw video of the recent volcanic eruptions in Hawaii and in it they showed a house that was almost completely surrounded by lava flows but never actually burned the house. The lava flow has now solidified, however the home is now basically unusable. Assuming the lava flow doesn’t continue and the actual structure of the home remains unaffected, how would homeowners insurance handle this situation? Would the homeowners be covered because the home has become unusable even though it is completely undamaged? Or, would insurance not cover this because the actual structure of the home is undamaged?
    12 answers · 3 days ago
  • Medical law question!?

    I am a 20 year old full time medical college student. I started my clinicals this semester as well as online class. With that being said, I have no time outside of school to have a job and my parents never pushed for me to get one as long as I was in school they said they would provide. My parents divorced when I... show more
    I am a 20 year old full time medical college student. I started my clinicals this semester as well as online class. With that being said, I have no time outside of school to have a job and my parents never pushed for me to get one as long as I was in school they said they would provide. My parents divorced when I was 17 and it was agreed upon that my dad would carry out medical insurance as long as we were enrolled in school and under 26 years of age. Last fall I ended up severely breaking my foot and got medical attention. The bills came in the mail and my father threw them at me and said he wasn’t going to pay them. By that time they had fallen into collections and onto my credit history. I have received several phone calls from collections and the agents were extremely rude, asking why I received medical attention if I could not pay. My question is, who is responsible for paying the bills, my father (who carries our medical insurance) or me?
    12 answers · 5 days ago
  • If i pay my co-pay upfront will that avoid getting a bill in the mail?

    so i want to go to the doctor without my parents knowing so i want to pay right away to avoid getting bill is that possible?
    so i want to go to the doctor without my parents knowing so i want to pay right away to avoid getting bill is that possible?
    21 answers · 6 days ago
  • Im paying employee medicare but my company hasn t told us we have health insurance.?

    im paying employee medicare but my company hasn t told us we have health insurance. And me and plenty of other employees have worked here for well over a year and none of us know or were giving any information on how to use these benefits were paying for. I also have my own VA insurance so I don t want the... show more
    im paying employee medicare but my company hasn t told us we have health insurance. And me and plenty of other employees have worked here for well over a year and none of us know or were giving any information on how to use these benefits were paying for. I also have my own VA insurance so I don t want the benefits anyways I work part time.
    15 answers · 5 days ago
  • How much of surgery cost will be covered by health insurance?

    What percentage of the cost will be covered by insurance? I know it varies by insurance company but just wanted to get a general idea. Thanks
    What percentage of the cost will be covered by insurance? I know it varies by insurance company but just wanted to get a general idea. Thanks
    17 answers · 6 days ago
  • If I already have my personal car insurance, am I still required to buy 'separate' insurance to work for Uber/Lyft?

    Best answer: You are required to have insurance coverage as a Uber/Lyft driver.
    This may be an additional purchase on your personal policy or it might be a separate policy.
    Best answer: You are required to have insurance coverage as a Uber/Lyft driver.
    This may be an additional purchase on your personal policy or it might be a separate policy.
    12 answers · 1 week ago
  • Health insurance question?

    For the past few months I've been seeing my psychiatrist and they have been billing an insurance policy that was expired. However I was covered under Medicaid that they were not billing, now my doctor doesn't accept Medicaid but it does give me a discount for the co pay. They now say that because they were... show more
    For the past few months I've been seeing my psychiatrist and they have been billing an insurance policy that was expired. However I was covered under Medicaid that they were not billing, now my doctor doesn't accept Medicaid but it does give me a discount for the co pay. They now say that because they were billing the wrong insurance that I now owe them 100$, they also won't bill my insurance because they don't accept it. My question is if I could file a claim with my Medicaid personally, since I was covered the whole time even though they weren't being billed.
    12 answers · 2 weeks ago
  • What is consider health insurance in the USA?

    Since it is illegal not to have health insurance what is stopping a company from selling 1 dollar plans per month that doesn't cover anything?
    Since it is illegal not to have health insurance what is stopping a company from selling 1 dollar plans per month that doesn't cover anything?
    17 answers · 2 weeks ago
  • Is there any way to get all doctors banded together to get their lawyers to all go up against insurance companies and chemical companies?

    Best answer: No. The doctors are tied into contracts with the insurance companies. The contracts were like an insurance policy, to ensure a minimum pay. What you would have to do is get the law changed.
    Best answer: No. The doctors are tied into contracts with the insurance companies. The contracts were like an insurance policy, to ensure a minimum pay. What you would have to do is get the law changed.
    7 answers · 2 weeks ago
  • Insurance for visiting the USA?

    Best answer: They will need to contact an insurance agent where they live to obtain international health insurance so that they have it upon entry. That's what I do.
    Best answer: They will need to contact an insurance agent where they live to obtain international health insurance so that they have it upon entry. That's what I do.
    5 answers · 1 week ago
  • How to start a class action law suit?

    Our lake home of 23 years was built on a lake lot, in a lake subdivision. 4 years ago our mortgage services hit us with a "forced placed" insurance separate from the regular mandatory one. After 4 years we'd had enough. We paid for a survey which proved we were not in a FEMA flood zone. FEMA... show more
    Our lake home of 23 years was built on a lake lot, in a lake subdivision. 4 years ago our mortgage services hit us with a "forced placed" insurance separate from the regular mandatory one. After 4 years we'd had enough. We paid for a survey which proved we were not in a FEMA flood zone. FEMA agreed and removed us from the "flood zone" designation. Mortgage services agreed. I wanted my 4 years of payments refunded. They only paid back 1 year. I found out there had been a class action which they conviently chose to leave me out of. Others like me were given 5K. Not me
    8 answers · 2 weeks ago
  • What is my philhealth number?

    4 answers · 1 week ago
  • A person with cancer, who is nearly a stranger, is going to leave me her truck. can she pass her insurance on to me?

    Best answer: No.
    Your insurance will be based on your age, where you live, your driving record, and your driving habits.
    Her policy will need to be cancelled and you will need to get your own.
    Best answer: No.
    Your insurance will be based on your age, where you live, your driving record, and your driving habits.
    Her policy will need to be cancelled and you will need to get your own.
    16 answers · 2 weeks ago
  • Are low-income survivors with death benefits disqualified from Medi-Cal in the coming year?

    Best answer: Medi-Cal is based on income requirements.
    If you are receiving social security survivor benefits that likely puts you over the income limits for Medi-cal.
    Best answer: Medi-Cal is based on income requirements.
    If you are receiving social security survivor benefits that likely puts you over the income limits for Medi-cal.
    4 answers · 2 weeks ago
  • Does home insurance usually cover broken windows?

    Does home insurance cover broken windows if you have a seizure, and accidentally break it?
    Does home insurance cover broken windows if you have a seizure, and accidentally break it?
    15 answers · 2 weeks ago
  • Did a law pass in Calif. to stop out of network charges & cost sharing?

    Best answer: For when you go to an in-network hospital, but the providers decide not to participate so they can rake you over the coals. This is a welcome law and needs to be put in 49 other places. Due to this practice, whenever we visit a hospital, I make it clear that I'll ONLY see in-network providers. This is a... show more
    Best answer: For when you go to an in-network hospital, but the providers decide not to participate so they can rake you over the coals. This is a welcome law and needs to be put in 49 other places. Due to this practice, whenever we visit a hospital, I make it clear that I'll ONLY see in-network providers.

    This is a common practice with anesthesiologists, because are you really going to go without anesthesia? But, if you go to an out of network facility, it's still out of network.
    6 answers · 2 weeks ago