- My employer decided to automatically enroll me in their health insurance despite the fact that I am still on my parents’ plan. I need to cancel the plan from my employer but don’t know where to start.
- 1/4 of the residents in my state (CO) don't carry auto insurance. When you get your renewal though you have to prove insurance (more in post) ...
- First time working hospital claim, for aunt admitted in August (Canada)
- Car accident,not at fault, totally totalled. Can I negociate the pay out?
- What's going on behind the scene when an Agent is pleasant during the investigative phase then cold, distant, and non-responsive during the actual claim phase?
- Car insurance and mods
- Change insurance too soon?
- Prescription Costs and HDHP
- ACA Marketplace Canceled My Moms Healthcare Plan
- Car accident in California, other party admitted fault, but other insurance is saying they are only 80% responsible. What do?
- Should I buy the lease end protection?
- Renter here. Roof leaked onto our items due to someone tossing an outdoor umbrella on the roof and dragging it. Will insurance cover the damaged items?
- How do insurance companies determine the value of classic cars?
- Life Insurance quote 2nd opinion?
- If I elect Cobra, do I keep my HRA?
- How does compensation work in an accident I am at fault at?
- Home insurance and property tax question
- Second driver on financed car
- Car Insurance
- Baggage stolen; file an HO claim or not?
- Health insurance messed up and now charging our deductible all at once
- Company Health Insurance
- (UK) Advice about vehicle damage caused by highways fault.
| Posted: 30 Dec 2019 07:28 PM PST Earlier this year, I signed up at a temp agency near my home town. I received a couple of short placements through this agency before things dried up fairly quickly. I have been looking for other jobs in the area and am planning to terminate my relationship with the temp agency once I find something more permanent. A day or two ago, I received an envelope explaining that I am now enrolled in a health plan through Blue Cross Blue Shield of Massachusetts. Along with this came two other envelopes explaining that I now have access to various telehealth and mail-based prescription services. These documents clearly state that the health insurance is being provided by the temp agency in question. This came as quite a shock to me. At no point did I ever fill out any forms requesting health coverage through my employer, and I did not receive any warning that this was going to occur. I am under the age of 26 and have always been covered by my parents' plan. I would like to keep it that way. How do I cancel this second, extraneous plan before it goes into effect with the new year? Should I call the temp agency first or the insurance company? And how can I get rid of these secondary telehealth and prescription mail services? I apologize for my ignorance in this area. This is my first time dealing with this sort of thing and I am just completely lost. Any help would be appreciated. [link] [comments]  |
| Posted: 30 Dec 2019 09:26 AM PST When you get your renewal though, the state cross checks the insurance database and requires you to provide proof of insurance when you get your annual sticker. Are these people literally buying insurance to provide proof and then immediately dropping their coverage? Does this drive agents crazy? Why do insurance companies put up with this? And why do legislators allow it also? It seems so stupid. And particularly bad for the responsible people picking up the difference. [link] [comments]  |
| First time working hospital claim, for aunt admitted in August (Canada) Posted: 30 Dec 2019 10:53 PM PST So as the title says, my aunt from another country was admitted to the hospital ER back in August after having caught pneumonia. From that time, I've been going back and forth with her insurance provider (ardent assistance) with mostly providing them the insurance claims but also the records from the hospital, which is still in the works. 3 months have passed and we haven't received any word from the hospital on overdue bills as of yet. Keep in mind I'm representing my aunt. The physician, when I asked him, asked to receive payment in 2 weeks (this was in August). I'm new to this. We haven't received any overdue bill notices from the hospital yet; I'm not sure how that works either. I'm just someone who's working this insurance claim with no prior knowledge on how insurance claims work. Someone recommended that I get a lawyer. I think the bill surmounts to $4000 with the $1000 ER room emission fee having been paid by us already. Again, if there's anything I'm not seeing here, please let me know in the comments. Thank you. [link] [comments]  |
| Car accident,not at fault, totally totalled. Can I negociate the pay out? Posted: 30 Dec 2019 07:31 PM PST Bought a car 2 years ago ( honda civic 2008), and got into a major car accident here in Canada. Bought the car back then for 3500$, which was a pretty sweet deal considering its condition. Insurance estimated damage to be over 5000$ to fix. My car insurance brooker called me today and said that he will call me later during the week to tell me how much I will be paid out for the car, and said that the amount will be between 2700$ and 5000$. I feel like 2700 is pretty low and afraid he will offer that number. Will it be possible to negociate and if so, what can I say? I know for sure that for 2700, I wont be able to buy a decent car compared to what I had. Thanks y'all [link] [comments]  |
| Posted: 30 Dec 2019 07:31 PM PST Three different insurance companies, A, B and C, involved. I will only post who is whom company-wise if someone really would like to know. Competence and professionalism can vary greatly depending on location. I'm not the "AT-FAULT" party and my insurance, "A" has been super supportive and responsive every step of the way. (I wonder if I was "At-Fault", would that change?) The insurance company of the vehicle my vehicle was pushed into, "B", has been absolutely wonderful to deal with. Concerned, yet remaining neutral. I consider this agent an ultimate professional. The "At-Fault" party insurance, "C", was initially very pleasant to deal with and I was impressed. Once it came out that C, the "At-fault" party was 100% liable for the accident, they have become cold, distant, snotty even, then totally unresponsive. Even after calling the general line and dealing with someone who is not the initial agent assigned to the claim. They are claiming they haven't received the information needed to move forward. (It has been sent three times) All three are nationally known companies. (Side note, I used to have PEMCO back when I was married, owned a house, etc., and they are a WONDERFUL local company in the PNW. Sadly, I can't afford them now that I'm divorced. I've gone with a nation wide company and I'm actually and surprisingly liking them more than PEMCO so far) The TLDR is: Are agents actually trained to show bias depending on which company is liable and who is deemed "at-fault" and who isn't? [link] [comments]  |
| Posted: 30 Dec 2019 05:26 PM PST I am about to buy a heavily modified (turbo and engine swapped) 1997 civic. Should I tell my insurance company about the modifications or just insure it as stock. And if I do not tell them about the mods, what are the repercussions. Thank you :) [link] [comments]  |
| Posted: 30 Dec 2019 05:19 PM PST High risk insuree, that just had claim dropped finally and can get normal insurance again. So I shop around, find a better rate, and switch over. I call my agent, tell him I need my insurance cancelled. This was about a week ago. I get a call today, says my policy was redone, and will have a sizable discount starting next month, even cheaper then new one I just got. This is a noticable, $60 per month difference. Even reviewed the quote myself, and everything seems to check out. My only issue is since I just got on this plan, does is it considered shady on the companies end that I will be leaving immediately? Will this hurt me when shopping for insurance down the road? [link] [comments]  |
| Posted: 30 Dec 2019 08:06 AM PST Hey all! I work in the P/C world of insurance but don't know a thing about health insurance. I recently signed up for the first time for my employer's insurance plan. I chose the HDHP because it was the cheapest monthly premium and I have relatively few health concerns, however I have one monthly rx I need. I understand I don't have coinsurance or a co-pay for my rx, but is there any way I can see what it will cost me before being shocked when I go to pick it up in January? This is a Wellmark Blue RX Value Plus plan. The rx is Tier 3. I am in Illinois but my insurance is an Iowa plan. Thank you! [link] [comments]  |
| ACA Marketplace Canceled My Moms Healthcare Plan Posted: 30 Dec 2019 04:20 PM PST Hi! So to start with last year my mom's employed based healthcare was canceled. Thus she enrolled in an ACA plan. There was only one option for her because she has a pre-existing condition. They enrolled in this plan, but it was terrible. Thus my parents decided to switch her coverage to Anthem that had just moved into our area for 2019. A couple of weeks later they receive welcome packets for both companies, so my Dad calls the marketplace to cancel her old plan (Approx. December 15th). Today (12/20/19) my parents received a letter from Anthem telling them that the marketplace has canceled her plan effective (1/1/20). Tonight my dad has talked to both the marketplace and anthem. I have spoken with her past insurer to guarantee that her plan has been canceled effective (1/1/20). When my dad spoke with the marketplace they basically didn't say much but said that it would be escalated and they would get back to my mom in 30 days. Since my mom will be uninsured for 30 days while they investigate this, what are her options and what can we do? For reference, my parents do not receive any credits or tax breaks for these plans. And are located in Missouri. TLDR: It looks like the marketplace incorrectly canceled a policy, and as a result, my mom will be uninsured while they escalate it which they said could be up to 30 days. Mom has a pre-existing condition so getting a short-term health insurance plan is not an option. x-posted to r/healthcare, and r/legaladvice [link] [comments]  |
| Posted: 30 Dec 2019 04:03 PM PST Follow up on this post from a few weeks ago. To summarize, my wife was driving my car in California. She was in the left turn lane, started to go when her light turned green, guy cut in from the lane to the right, wife swerved to avoid, but he hit her front right side. The other driver admitted fault and expressed interest in paying out of pocket because he had recent at fault accidents. I got a quote from a body shop but then he balked and said to go through insurance. So I filed a claim with his insurance (Geico). Long story short, the claims adjuster there said that after reviewing the photos of the damage and the drivers' statements, they found their insured to be 80% at fault, and my wife to be 20% at fault (said something about her not doing enough to avoid the accident or something). Is that a reasonable conclusion based on the photos and description of events? Am I correct in understanding that it means that Geico will only cover 80% of the total cost of damages to my car, while we will be responsible for 20%? It just doesn't seem like a fair process that Geico gets to make that determination; there's no incentive for them to claim greater responsibility. (Thinking cynically, it's like when there's a police shooting, and the PD does their own investigation and finds the use of force was justified and that there was no evidence of wrongdoing.) I called my insurance agent (State Farm) and it wasn't super helpful. He said he thought that whoever is >51% liable pays for all of the damages in California. Is that true or is it the 80-20 split referenced above? I really just wanted someone from State Farm to go to bat for me and negotiate with Geico, but it sounds like they won't do that unless I file a claim with State Farm. But if I file a claim, I would have to pay my deductible and then hopefully try to get the money back via subrogation later. Does this give me a better shot at getting more than 80% of my damage paid for though? Another wrinkle is that the damage is likely more than the car is worth, so it would be a total loss. $2K roughly for the car, so if I go with the Geico claim, I'd get 80% = $1,600, and miss out on $400. If I file a claim with State Farm, I'd get $2K - $1K deductible = $1K, then hope to get more back later. I do have enough cash in the bank that I don't mind waiting for subrogation if that gives me a better chance at getting more money at the end of the day. Any advice would be appreciated. Thanks! [link] [comments]  |
| Should I buy the lease end protection? Posted: 30 Dec 2019 04:02 PM PST I just leased a new MINI Cooper S and when I signed the contract the dealer asked me do I want to buy the lease end protection which includes wear and tear, ding and dent, windshield and tire. It will cost 3000 dollars through the entire 36 months lease. Since i have no idea how much I will pay for repairing these mentioned above (for example, how much if I replace the tires by myself, etc) I would love to hear your suggestions. [link] [comments]  |
| Posted: 30 Dec 2019 03:05 PM PST Somebody tossed one of those outdoor umbrellas & the heavy base onto the roof, causing damage to the roof, which caused a leak. Will our damaged items be covered? [link] [comments]  |
| How do insurance companies determine the value of classic cars? Posted: 30 Dec 2019 10:52 AM PST What if you have a classic or a rare car and it gets in an accident? How do insurance companies determine the value of it if there isn't a comparable exact model year make and trim? [link] [comments]  |
| Life Insurance quote 2nd opinion? Posted: 30 Dec 2019 02:23 PM PST My wife (34F) recently applied for Life insurance (30 yr term) and it turns out that the premium is about 30% higher than what was originally quoted. The reason stated was that she has asthma. She doesn't have asthma symptoms, but she was diagnosed with very mild asthma 7 years ago when she was at the allergist to see if she was actually allergic to mangoes. We have no intention of committing insurance fraud, but it seems strange to pay a such a high premium for a condition that she had forgotten all about. If we shop around, will they come to the same conclusion? Will all underwriter's have access to her medical record? Is it worth it to get re-evaluate by her PCP to set the record straight? [link] [comments]  |
| If I elect Cobra, do I keep my HRA? Posted: 30 Dec 2019 01:45 PM PST I'm pretty sure it's a HRA - it's a debit card that generally works for copays but I often have to submit EoBs for smaller practices. I was recently laid off, and because my income is now 0 my dependents qualify for state aid. I have a ton of appointments on deck that I'd like to keep, so I was thinking of electing only myself for Cobra since everyone else is healthy and has basic coverage. In this situation, will I be able to keep the HRA? I called the benefits "mediator" (or whatever, Ameriflex) and they claim they can't give me a straight answer until I elect. I'm hunting for jobs but it wouldnt surprise me if I was in this situation for 2-3 months [link] [comments]  |
| How does compensation work in an accident I am at fault at? Posted: 30 Dec 2019 08:54 AM PST So I have a bike worth around £4000. I have TPFT coverage with an excess of £525. I was involved in an accident in which the bike could be repaired for around £300-400 + labour or written off. I am unsure if there is blame on me for the accident, but lets say worst case scenario, I am fully to blame. Would insurance pay for the (repair - excess) or expect me to pay whatever because it's my fault? In which case id rather fix the bike myself for £300. Will I have to pay for courtesy vehicle and towing cost because its my fault, or is that included in the repair price? Should the bike be written off, do I get £4k - excess back, and the bike also? Because in that case... I would be profiting? [link] [comments]  |
| Home insurance and property tax question Posted: 30 Dec 2019 12:32 PM PST I was talking to a friend of mine the other day, and he mentioned that he had his house assessed as a tear-down, and thus it cut his property tax bill by about 75%. I could do the same for our house, but before I do, I wanted to be sure that it wouldn't mess with our home insurance. Basically, our home/land is worth about $350k - it is only insured for $300k because that is what it would cost to rebuild a 3 BR 2 BA 1300 sqft house here. $350k is the going rate for a tear-down; our house is the smallest on the block/street. If we were to contest our property tax assessment so that the value of the structure went to $0 (realistically, if we were to sell the house it would be torn down), would that do anything to our homeowners insurance? Meaning, if we contested our assessment, had the value of the structure go to $0, and the next day our house burned down... Would we still be insured to have the house rebuilt, or would we be out of luck? [link] [comments]  |
| Posted: 30 Dec 2019 11:11 AM PST Hey all, first time posting on here but thought this was the right place. I'm a 19 year old living in Minnesota and my parents live in Nebraska. My dad has a financed Honda Civic that he's trying to give me until summer and to put me onto his insurance plan it's an outrageous price. Just by myself it's significantly lower (I only looked at quotes online) The problem is the registration/documentation is under his name. I am wondering if there is someway that I can get my own personal insurance for that car. He is fine with somehow putting my name on the papers but just doesn't know what to do. Anything helps [link] [comments]  |
| Posted: 30 Dec 2019 10:27 AM PST Thanks in advance for any advice. I am requesting any information/advice regarding auto insurance/registration/licensing/titles etc. while in between three states. Background info:
I would like to get a better idea of the following:
Thanks again, I really appreciate any thoughts/advice. Best, Al [link] [comments]  |
| Baggage stolen; file an HO claim or not? Posted: 30 Dec 2019 10:04 AM PST Location: WA Carrier: Safeco Hi everyone! I was traveling out of state a couple of weeks ago and my fully packed suitcase was stolen out of a friend's vehicle while we were eating lunch. My inventory of stolen items comes to around $2,000 before depreciation (though almost everything was less than a year old), and my HO deductible is $1,000. Here's my question:will this type of claim (as opposed to property damage to my home or some sort of personal liability claim) make me a greater risk upon renewal? While I can absorb a $2k loss, even a <$1k payout would be nice to help mitigate it, but I don't want to pursue it if it will affect my rating/premium. Thank you! [link] [comments]  |
| Health insurance messed up and now charging our deductible all at once Posted: 30 Dec 2019 09:40 AM PST In the US, PA specifically. Family of four. My daughter has a secondary Medicaid insurance for a medical disorder; therefore, we never pay anything out of pocket for her which I think it where my confusion to the situation arises. All year, I would get billed for some doctors office visits for my son (who does NOT have a secondary insurance). It was random when I'd get billed and when I didn't. When I did get billed, I would pay and then get reimbursed by the doctor's office weeks later saying I overpaid. I called my insurance company multiple times over this issues asking what was going on and if I should pay certain bills I would receive. Every time, I was told I met my deductible and don't pay a bill because it was an error. Or I got reimbursed for a bill because my deductible was met. I assumed that it was all my daughter's medical bills that had satisfied the deductible since we never see the bills due to the secondary insurance picking up what the primary doesn't cover. I had insurance tell me on multiple occasions that our deductible was satisfied. I have been paying copays all year. Early December, I experienced a miscarriage. I got a bill in the mail for an ultrasound. Confused (since I had two ultrasounds beforehand where I didn't even owe a copay), I called. At first I was told that I had reached my deductible but that specific claim said I hadn't met my deductible and they would resubmit the claim. I then asked what I would owe for the D and C I had. She gave an amount of around $1500. I asked why that much and she said it says I didn't hit deductible according to that specific claim. She went into the other ultrasound claims that said I reached my deductible and they were paid in full. When she went to see what was applied towards our family deductible, the amount read zero. She said she'd have to escalate this and we may owe a lot of money since they'd likely resubmit all claims for that year. My daughter goes to therapy twice a week so yeah... that's a lot of claims. She said individual deductible was $1750 and family was $3500. That my daughter had reached her individual deductible by February of this year and her secondary insurance would foot this bill. So we're looking at a big $1750 bill plus whatever coinsurance and copays for my ER visit and surgery. Do I have any legal claim to fight this bill? I should have been paying my deductible slowly throughout the year but now we're going to be slapped with a huge bill at the end of the year. I don't mind paying my copays and coinsurance, but I had called multiple times in the past and was told we hit our deductible multiple times and those agents never caught the mistake. Are we SOL over their mistake? Paying it all at once is going to really financially hurt versus having to pay it slowly throughout the year. I'm upset this was never solved at the beginning of the year. I went into my D and C believing I had hit my deductible. I was given the option to have the D and C or try to miscarry naturally at home but would likely end up in a D and C. I chose the D and C immediately thinking it'd be covered and I'd owe coinsurance for it. Now, I owe a huge bill. [link] [comments]  |
| Posted: 30 Dec 2019 09:12 AM PST If I have only one dependent (mother), in a company health plan do I still need to get a 'family plan'? What does 'spouse' mean? Is it just a +1 or an actual spouse? [link] [comments]  |
| (UK) Advice about vehicle damage caused by highways fault. Posted: 30 Dec 2019 08:01 AM PST So my vehicle is having a wheel and tyre replaced under insurance. I "hit" a pothole travelling at 40mph. The pothole was approximately 3ft by 3ft and 3.5 inches deep. The damage caused is irreparable and therefore the repair centre are replacing the wheel and tyre. This is costing me £100 excess on my insurance, and the loss of no claims bonus (as well as the inconvenience of not having my vehicle). I intend to make a claim to the council who maintain the road where this happened - however the quote for damage/labor/parts etc is almost £800. If making a claim to the council - what should my claim entail? I cannot reasonably put a value on the inconvenience caused, or the difference in cost to my future insurance now that I will be claiming through my insurance company. Thanks in advance. [link] [comments]  |
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