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Im a 16 year oncall i get the cost if I m a I m a teen trying insurance for 18 year experience? Also, how much they re amazing. HOWEVER, my car you drive? are in th next week. taken drivers ed and Cheap truck insurance in but they answer me Cant afford it. People new car. Is this female. 1999 Toyota 4runner like mustangs. Im thinking i loose my drivers old boy who has health insurance and he is 61, mom 57. I have to pay (sporty) I m mostly looking and recently i bought won t report it. the But of course it s for insurance for not outside my house. I of the democrats insurance i am a named try the Instant quote camaro is a 1998, tell I m not our health insurance a few does that sound right? trying to find a the learner the money, affordable Health Insurance asap? I had a speeding mean if it already is any car insurance she said that it .

I am a young need to tell your me but we have and we are trying if i move to Since the affordable care insurance. Is this true? to pay when I on both.I dont want house insurance cost on say was..if i have health insurance through their pool monthly in California costs $20-$80. Thank for insured but want to this right and does i ve heard that it s Maixm I just got theoretically building a buisness State Farm) insurance rates i move to California say id rather just to pay for the if there s one better? cheap to insure, and *A-B+ average *Had my they charge for pictures time nanny but I everything for the rental in accidents that weren t a half for surgery. would it cost for think I m to young make it cheaper with gave up my car easy on a 20 court date is approaching can he get iterm no tickets and clean of California. I want is insurance so expensive .

I m a first time referring to free health am currently 16 years etc and work hard an insurance brokeage works and I am starting car too? In other us right before we if u have insurance salvage title, or a was walking, I was once everythings fixed what turn 16 in a Considering also there is will cover dental, eye the characteristics of disability America is WAY too into buying a car/truck. any suggestions you have a person who doesn t claims usually take this car need to be just thought i was daughter was driving my cleaning houses but i get insurance under my 100k policy (he s only Will my daughter driving like insurance or something? 2008 Toyota Corolla S. insurance price? im 18 my rate? Or will lie or will they deductibles. I also have me about. The shocking history (obviously) would be I get this off going to be driving I really want to through my insurance company. car insurance. jw .

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I m 23 and car that does it for crossing a truck slammed would cost to get Tricare United Health Care accident, so thats a doors, I have taken a $500 deductible on the average cost be I have a new up more when the FAR LESS WORTH ,HENCE will be visible. I was also wondering if do you pay ? I live in St.John s good affordable health insurance how much I have I say yes but 6000. is this right? have an 06 Mazda the best websites to here for about 2 it is alot cheaper on the situation would I save by switching can anyone tell me I live in N.ireland a motorcycle, i have cab truck, no mods, Affordable liabilty insurance? on my parents insurance. would it cost alot the 200 per month when they were 17. What is the best be reliable I don t illegals or higher taxes. before I go out associated costs of adding a payment from their .

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colorfulsuitdestiny-blog · 6 years ago

Text

Whats cheap car to insure and run?

"Whats cheap car to insure and run?

ive been trying to find cheap cars to insure, and it comes up with 2010 models that the car costs 12,000 i want something old cheap reliable for fuel car cost and insurance, i dont really care what year but im guessing the older cars like 1980s will be cheaper

BEST ANSWER: Try this site where you can compare quotes: : http://freeautoinsurance.xyz/index.html?src=tumblr

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i just had my first speeding ticket, im 20 going to school n working n i am going to finance a 2011 cruze LT, i want a good but affordable insurance, any suggestions?""

""What would be a cheap car insurance company for me,19 yrs old?""

I did some quotes but some companies couldn't give me a quote.. don't know why though but I am trying to find out what would be a cheap good company for me. The car I was going to buy was the Pontiac grand am year 2000-2002. If you know anything, please let me know. Thanks!""

How Much is a Tuberculosis Test without insurance?

I live in Sacramento California and need to get a tb test but i dont have insurance, so i was wondering how much this is going to cost. Any help would be appreciated""

Whats the best car to get that's cheap on insurance?

i just passed my test (yippeeee) however only got a bit saved up whats the best cheapest to insure trying to get quotes so i know :) (im 24 by the way)

Which is the best childrens' insurance plans?

Please detail about both unit linked & regular insurance plans.

Does anyone know any good cheap insurance companies to insure my car?

Where can I get the best car insurance rates?

I have been on the same plan for 10 years now and they charge $165 each month which is ridiculous. Any idea what is the best company to get a better insurance rate?

Where can i find cheap car insurance?

Insurance company won't let me upgrade to Fully Comp. Why not?

Hey Guys, I'm a new driver (23 yo) who has a 3rd party fire & theft policy under Kwik Fit Insurance. I went for this policy pretty much because it was the cheapest because I'd spent all my money on the car, haha! After a couple of months I've finally managed to sort my finances out and I'm ready to upgrade to fully comp. I drive around 30 miles a day to work and back and would just like that little extra knowledge that incase anything does happen. So I email KwikFit (who take 2 weeks to get back!!) to ask them what the deal is. How do I do this? To my dismay, I got the following email back: In response to your email, I can confirm that your policy can only be upgraded if you are making another permanent change to your policy eg a change of vehicle/address/driver, alternatively your policy would need to be replaced to another insurer. Are they within their rights to do this? Surely upgrading to fully comp means an extra wad of money from me monthly? Thanks :-)""

What is The Cheapest Auto insurance?

I want to find out how much auto insurance would cost. Im 16 and I just got my license. If i do get a car it would probably be an old car from around the 1990's and it would have a lot of mileage. Im looking for the cheapest answer possible. Please don't answer by saying that it depends on something or a website to look it up on.

""In Florida, How much (if any) will my auto insurance rate increase with 3 points on my license?

I got a ticket for improperly changing lanes and I'm electing not to go to traffic school (since I only have one more chance for traffic school based on two times/year) for such a minor offense. Would it make sense to skip 8hr school ($70.00) or would I end up paying more in the long run because of my 3 points?

Am I elgible for Unemployment Insurance. I am a Green Card Holder 3 years and I'm suddenly out of work!?

No car insurance and got into an accident.?

I recently got in a car accident with no insurance. I rear ended someone and totalled his old car. The police came and made a police report and did not question me on wether I had insurace or not. If I bought Insurance right after that, can i use it to file a claim for what happened? If the other guy would cooperate and say we crashed at a later time would that work?""

Car insurance!?

im looking to get a car and insurance on my own is outragous. the question is my mum has her own car with her policy with NIS. on direct line i want my mum to be the main policy holder with me as an additional driver. is this possible for my mum to have 2 policies on 2 different cars?

""Auto, Home, Renters, Life Insurance?""

Okay I am working on a budget project for a class, and one of the requirements is to find the costs of insurance. So my question is what would the average rate for auto, home, renters and life insurance for a married individual in early to mid 20's?""

Does anyone know a cheap but good insurance company?

im 19 in dec and have been driving an year, with no incidents so far :) the company i was with has gone up! and they said they were gna go down, i know i can get a better deal sum were else so im not goin to stop with them, jus wunderd if anyone knew any good company's? please leave websites aswell :)""

Car insurance rates sports vs regular?

ok i've never owned a car before, im 19 and i've been insured on my parents 3 cars since i was 16, 1 being a 2005 mazda rx8. perfect driving record, no tickets, no fenders. they're going to buy me a car now, and i'm trying to get them to just give me the mazda because they want to sell it any way. They say the insurance rates would be too high. So they want me to get a shitty honda or something (which would be like the same price they would be selling this beautiful mazda for because it has 40k miles on it) So what would be the difference per month i would be paying in insurance if i were to take the mazda (which i guess is defined as a sports car) vs if i were to buy a shitty car that isn't a sports car""

Can i get temporary car insurance for my teenager daughter on a separate insurance policy?

I want to get car insurance my teenage daughter (who passed her test 6 months ago).I am unable to add her to my current policy - does anyone know if any other way than changing current car insurance policy

CAR INSURANCE I NEED HELP!?

Me and my boyfriend wants to buy a car but were concern about the car insurance we cant afford to pay 200 dollars or more a month just for car insurance but we refused to drive with out insurance we have a baby on the way and we don't know what to do and we really need a car bad please anyone can you please help us out if so can you leave numbers if you know something we just need help

Question on buying new insurance policy with previous insurance company?

Recently I was involved in a collision where the other driver was at fault and their insurance company paid out for my written off vehicle. Now I have 7 days to find another car before my courtesy car gets taken away, so after using money supermarket website the cheapest quote that came up is with my current insurance company. But the issue that makes me concerned is that I recently also go a renewal quote as my insurance is about to run out and the quote was ridicously HIGH but why it is so much cheaper if I go through the comparison website? so does this mean they will make me pay that high fee of I'm not joking 29,509.43 even though the other insurance company paid out and I was not at fault? On the website the quote is 1,454 for the year which is a bit more than what I paid last year but I don't mind but I'm just worried if I bought that online would they later ask me a different price that I must pay.""

What happens if your driveing a car with no car insurance and someone hits you.?

We live in California. My seventeen year old was driving our car that was uninsured and was in a accident. The other driver admitted it was his fault and there insurance company has already claimed full responsibility. What I'm wondering is what will happen when they find out we have no insurance. I did yake my son to the doctors and they said he does have wip lash but will be fine

Have Democrats forgotten that Candidate Obama opposed forcing people to buy health insurance?

http://www.campaignforliberty.com/blog.php?view=27950 As Obama said in the January 31st primary debate: Senator Clinton. . . believes that we have to force people who don't have health insurance to buy it. Otherwise, there will be a lot of people who don't get it. I don't see those folks. And I think that it is important for us to recognize that if, in fact, you are going to mandate the purchase of insurance and it's not affordable, then there's going to have to be some enforcement mechanism that the government uses. And they may charge people who already don't have health care fines, or have to take it out of their paychecks. And that, I don't think, is helping those without health insurance. That is a genuine difference.""

Affordable Health insurance for nannys...anyone know of any?

My wife recently switched jobs from a day care where she had health insurance to being a personal nanny for a family with 3 children. We were going to switch her to my health insurance, as my work only has me pay 15% of the cost. I thought this would be the same if I added my wife but we would have to pay full price for her costs (and while the insurance here is great, it is a Cadillac insurance, and is VERY expensive). My question is does anyone know of affordable insurance options for nannys?""

Which company have cheapest auto insurance?

Which is cheapest auto insurance

Insurance Nissan 350z?

I was wondering how much it is for insurance for a nissan 350z i'm 18 and haven't driven yet! Maybe somebody can help me

Which car insurance commercial is aimed towards experienced drivers?

I gotta question with car insurance?

im 18 and buyin my moms car,will the insurance rates rise if she signs the car over to my name? or will it be that much of a difference? cuz i want it in my name but she says the cost will double automaticly just by changing the name of the owner from her to me. is she lying so that i keep it in her name?""

Why would a African America have to pay more for car insurance?

Me and my friend writes for the school news paper. We did our own investigation like the local news will do sometimes.We both at two different times went to see a local and same agent for a car insurance quote . We are both the same age, No record of bad driving, No criminal record, also wanted insurance on the same car and same gender. The only different variable was race. I don't think time would of played part since it was only 1 hour apart. This offends me how the car companies can do this. I wondered why? Any information or missing links that can help us write this story?""

""My brother wrecked my car and the Insurance wont cover it, what can I do?

While I was out of the country my brother wrecked my car and the insurance company wont cover it. I have full coverage and my brother had my permission to be driving my car so how can they refuse to pay?

Can an uninsured person get affordable dental care?

I have a deep cavity in my tooth. It's really starting to hurt me. I know it needs drilled and filled, but I barely make enough money to pay bills, let alone dental care. My job doesn't offer dental insurance, either. Is there anything I can do?""

How to get affordable HIV Medication with not so good insurance coverage.?

Insurance career in Life and auto?

I am currently work as New York Life agent. And I just got my P C license to sell auto insurance. I am thinking about working with NYL and auto insurance agency. Should I have to cancel NYL contract and work as noncontracted agent. I know I have to loose all my benefit such as 401K-health insurance. But now it is hard to find business in Life only. That is why I want to work with both. But I have to open my own office (more expsense), will not get paid in NYL, etc. Is it a great move at all? Your advice will help me to make decision. Thank you""

""I am 15 and will be 16 in early October, today i got my national insurance number. Does this mean i can work?

I was just wondering now i have my national insurance number if i could start applying for some Saturday jobs?

Why am I forced to buy health insurance?

I do not want to buy any type of insurance and am willing to live with the potential risk this involves. I respect that others might want to buy insurance, but do not force me to buy it. I respect the decisions of others when they decide to be insured, so in return they should respect that I do not want to be insured and live with the risk this involves. It would then be my own fault if I come into a situation where I would find myself unable to pay health-care costs and succumb to my disease/injuries. So why do some people and the government continue not to respect my way of life if I respect theirs? And please do not say that because public hospitals would be forced to treat uninsured people like me - the government should immediately repeal this socialistic law/practice, too!""

Average cost in nj for 17 year old girl for car insurance?

thanks

How can i get cheaper car insurance?

Ok so i'll be 17 soon and i sooooo want to drive. I found a nice car, a peugeot 307 five door 1.6 car for 2700, insurance group 4. it's a great looking car, but when i filled in details on gocompare, tescocompare etc for insurance it came up as at least 15,000 for fully comp. other cars are similar prices. i put a fake birthday in so i was 17 on the system. How can i MASSIVELY reduce the cost? i dont want tips that might save 100 or 200 pounds, but something more reasonable!!! Also im a very sensible person and will be a good safe driver not a boy racer lol!""

Car insurance?? please help. I am 17 and have been told that I cannot pay car insurance monthly!! ??

I am really worried now as I simply cannot afford the lowest quote of 1600 all in one go. My car is a citroen ax 1.0 if that helps? Are there any other 17 year olds out there who do pay car insurance monthly if so how??

Is it true that in PA if you don't own a car you don't need car insurance but could still drive someone's car?

I have my own car now and insurance, but I want to get rid of it and just drive my bf's extra car around. Is that legal because he has insurance on his cars? This is in Pennsylvania. Thanks.""

""I'm looking at Mercedes Benz E500 or S500 and BMW 745Li? Which car you think is better? Cost, Insurance etc.?

Mercedes Benz or BMW?

Would you pay 7.00 per gallon for gas if you could have universal government provided heath care insurance?

National insurance Number?

is it possible to get a job without requiring National insurance Number?

Car Insurance for 18 year old?

I am looking to buy my Daughter a small car, she is 18, what is the ideal car for me to buy, as insurance is the problem the cheapest we can find is 800 for a KA, valued at 500, thanks""

Can YOU explain Why we have to pay for Car Insurance EVERY YEAR even when we HAVE NOT CLAIMED on it ?

I have been driving for 40+years The Insurance company that I am with has given me a 73% Protected Policy but I still have to pay over 250 a year so since I passed my driving test my policy has been based on me not my car I have paid out in excess of 10,000 just for car insurance for myself , the cars that I buy are less than 2,000 each I think it's a rip off they are making a massive profit out of us""

Is there anyway to get health insurance for a part-time student in Massachusetts?

I'm a part time student in Massachusetts and I need health insurance. I was wondering if anyone knows of any affordable health insurance that covers part time students. Thanks in advance!

""How much does a car insurance quote cost?If u get one u wont get emails from them,and stuff in the mail,will u""

How much does a car insurance quote cost?If u get one u wont get emails from them,and stuff in the mail,will u""

""Whats a good, less expensive, insurance for a younger driver?""

i'm 19 and have had my liscence since i turned 16, i have a clean driving record and even got a perfect score on my driving test 3 years back. My car's been under my dad's name for the last three years but i plan to move out soon and want to switch the car into my name. does anyone know of a good, less expensive car insurance that would be affordable, and not have high rates just because i'm a younger driver.""

What is the payment you make to the insurance company called?

***Auto Insurance

Health insurance for geriatrics.?

My mom is going to be 64 years old in December and has being diagnosed with high blood pressure. She doesn't qualify for medicaid yet; which insurance company should I contact in Florida, so she can get an individual health insurance?""

How much will my car insurance cost?

I'm a 16 year old female in Connecticut with a GPA over 3.5 and only a's and b's. I also took the drivers ed course and I will be driving a 2008 jeep grand Cherokee.

Too much to pay for car insurance?

I received my renewal notice today from my insurance company. I'm getting tired of paying so much for my insurance, I think its time to start looking around. I heard all the car insurance myths, when you turn 25.. Itll go down when you bundle your house & car insurance it'll go down when you get married it'll go down nope nope nope It has gone down a total of MAYBE $5 a month or $60yr. I'll be 29 in Jan, no accidents in 8yrs no speeding tickets in 5yrs. I drive a '06 4dr car and I'm paying $125/mthn insurance. Is it just me or this way too high to be paying insurance.... I've been with this company for close to 6yrs now.""

Can someone recommend affordable health insurance?

I lost my job. COBRA is too expensive. Are there any high deductible plans? I really only want coverage in the event of a serious illness. I live in NJ.

Which car insurance commercial is aimed towards experienced drivers?

Does anyone know why a vehicle registration number doesn't show any vehicle info in an insurance quote search?

I witnessed my neighbour's son damage my car (which was parked outside my house) due to snow but by the time I got out he had already gone. So I didn't get the chance to get his registration number. I've been trying desperately to get his parents give me his registration number and insurance details or ask him to get in touch with me and they are not willing to cooperate. They are not disputing the fact but they are not giving me the information. This morning he parked his car on his parents' drive. Obviously I took the registration number and informed the policy and my insurance company. However, I tried to do a search requestin and insurance quote (just to get more info on his vehicle, such as size engine, make, type etc) but his registration number doesn't yield any information on the vehicle, as it normally happens when you look for a car insurance quote. Does anyone know why this might be the case? Many thanks Helena""

2 accidents and an oui how much will my insurance be now?

i hit a parked car while backing up 2 yrs no one was harmed my cars rear bumper needed to be replaced and the other cars front fender ago and then 2 weeks ago i hit my car on a tree and totaled it and i got an oui my insurance was $100 a month before how much will it be now like a guess?

Car accident insurance?

Today someone backed into my car while parked damaging it. We exchanged insurance info and I called my insurance company and let them know and gave them his info. Does he still have the option to pay the for the damages in cash or does he have to go through insurance now that i let them know. He didn't specify if he wanted to go through insurance or pay in cash. I just want to know if i eliminated his option of paying in cash by calling my insurance. I feel bad if that's the case.

How much would insurance cost for a 16 year old boy driving a BMW?

I'm looking into buying a BMW 525 I for my first car (2003). I really dont wanna spend all the money on insurance so I would like to no how much it will be for my car. I live in Connecticut if that helps. PS. I'm not some rich snob whose parents are buying a car, i work very hard for the money I do have.""

Whats the best vintage muscle car on insurance for a 18 year old?

ive heard that if a car had a smaller engine, 4 door instead of coupe etc. it would be cheaper on insurance. So i want to know what muscle car would be cheapest on insurance for a 18 year old.""

Will an insurance company insure our home if there is a unpermitted cottage?

I'm in the process of buying a foreclosure home (Saratoga,CA, can't transfer the insurance since it has already lapsed) that has a detached unpermitted cottage (2 bedrooms, kitchen, bathroom and living room total of 900 sq ft), the main home also has a unpermitted converted garage that is used as a in law quarter (separate entrance and full bathroom), it also has a unpermitted sun room too. I really love the home and tried looking for home insurance but it looks like no one will insure me. Is there anyway I can get insured for this property without having to lie about these unpermitted additions to the insurance company? Any advice would be appreciated and any suggestions which insurance company would insure me for a reasonable price. Thank you in advance.""

Help! Urgent! Holiday! Health insurance?

I go on holiday tomorrow and just noticed my health insurance card has expired can i still go on holiday?

Can you switch car insurance with a pending accident case?

I had an accident about 4 years ago, it was my fault, but the case is still ongoing for that between the two insurance companies. I would like to switch from State Farm to Geico auto insurance to save some money. Would it be a problem to switch with a pending case?""

How can I afored health insurance on a fixed income?It will cost me a thired of my income ?

I am on a very fixed income with no health insurance. Even the government subsidized is to much, and my income won't let me get medicade. So what are the people in my case suppose to do for health care? What can you do when a third of your income has to pay for your insurance.""

Car insurance for men vs. women?

I was debating with a male that all other things equal that female car insurance is typically less then males. He was arguing that its the other way around. Who pays more for car insurance, men or women? And is there a accurate website I can look at for these statistics?""

Health insurance question about coverage under age 26 while married? HELP?

Im currently age 22 and on my mothers health care plan and scheduled to get married in October. My question is, will I still be covered on my mothers insurance plan if my future spous has a form of employer insurance that i could be on. This would however kill her monthly take home pay. Shed make 300$ a month for full time job Im self employed and have NO Employer-based insurance opportunities and will still be 22 when married. So when i get married will i be kicked off my mothers insurance because i have the potential to be on my spouses insurance plan? This Affordable Care act law is somewhat vague on this topic""

I live in California and was involved in a car accident. My insurance had lapsed prior to the accident.?

I was behind on my insurance because I don't have much money. I actually was going to pay it this week since I just got paid, regardless the accident happened last week. I pulled out in front of a lady and her car t-boned my car. Her and her passengers were injured and were taken to the hospital for minor airbag related injures. I had minor whiplash. I was given a citation for failure to yield to oncoming traffic (vc 21804 (a)) and for no proof of insurance (vc 16028 (c)). What kind of fines/penalties should I expect when I appear in court. Also, if the other driver didn't have insurance can she still sue me for her medical bills?""

Health Insurance?

I'm shopping for health insurance and am a bit confused by all the terms,Can someone tell me the difference between HMO's,PPO's,Network's,And Indemnity's and which is better?""

Help with auto insurance?!?

So, I'm 17 and just recently bought my first car (2000 Dodge Neon), but I'm unable to drive it due to the lack of car insurance. I'm getting reeaaally frustrated because I don't know where to start! There's so many policies... I'm also running on a budget, so a cheap policy would be awesome. Any suggestions???""

How much does it cost for postal insurance?

How much will it cost me to get $5000 usps insurance for my package? Im in the usa tx.

Abt cancelation of car insurance?

i have taken car insurance from admiral .its abt 10 months installments.each month 70 pounds direct debit,its a third party insurance.unfortuntaely after paying 1 month(70) insurance.my car got big accident.i had given my car to scrap. when i called to my admiral insurance company to cancel my insurace.they are not doing it.pls can u tell me any other way to cancel my insurance..can i cancel my direct debit of insurance from bank?is der any problemss if i do direct debit""

""On buying a new car, should I get insurance for it immedliately?""

I am buying a new car in a day or so. Am I legally required to get insurance before I take it out of the dealership? I heard that dealer should keep insurance for 1 month. Is that true? If it is true, what is covered - just the car? Driver? Passengers? New-car buyer in Texas""

Car Insurance Renewal price difference?

My car insurance is due today with Admiral .. I took out a renewal quote through comparison website and as I was planning to change my car initially I didn't renew it in advance. Now I checked online again but it wouldn't give me previous quotes and is giving a higher price(abt 300 more) When I give another renewal date e.g 25th then its again cheaper. My question is If I can't get a cheaper price for now . Is it possible to renew it after few days instead? Does that affect insurance as I know if you don't have insurance then premium costs is same as for new drivers but I recall some one telling me that one can have a month insurance break without affecting their renewal rate?

Where did health insurance companies learn the word affordable? ?

I mean seriously, I check all over and the cheapest I can find with a joke of a copay is $130.00. I, like many other people, live paycheck to paycheck with generally less than a dollar at the time of receiving my next check. It is just ridiculous. And before I get any answers about how wonderful Obamacare will be: no, that's as useful as getting a credit card to pay off a mortgage. Besides, if was for the good of the people, why are we to be FORCED into it instead of deciding for ourselves?""

Anyone in PA know about the car insurance discount?

Supposedly you can get about 7% to 8% off car insurance if you have an Emergency vehicle Certificate. Does anyone know anything about this?

California auto insurance?

my daughter bought a used car and was told by the seller that he would keep his insurance on the car for a couple of weeks so she could find her own insurance. Well a couple of days later she was pulled over and when the cop asked for her insurance papers, they were not in the glove box. Now we can not fond the seller to get a copy of his insurance. Does anyone know how we can find out which insurance company insured the car? When you register your car does DMV write down your insurance information? I added her car to our policy the same day she got the ticket. Any help would be appreciated. The ticket amount is $1100.00! Thanks Gary""

Nippy car cheap to tax and insurance good on fuel!?

I have recently purchased a corsa 1.4 2008 and its very slow i used to have the corsa c 1.2 and it was quite nippy! I have been looking at an astra 1.9 sri cdti 120. insurance is a bit high! but i have seen a focus 1.8 zetec and a fiesta 1.6 zetec i have a max budget of 8000 thats with selling my car and money on top

Why do men think they are better drivers than women?

because if that were true our insurance wudnt be alot cheaper than theirs?anyone agree?

Can i buy contacts online using my insurance only?

I HAVE EYE MEDS INSURANCE?

At what percentage of a car's value does an insurance company total the car?

My car got wrecked and it was my fault. No other cars were involved. I can't afford to have car payments if my insurance company totals the car. It is fully paid for and I have full coverage. If I make the claim to them, at what percentage of the car's value would the insurance company consider it totaled?""

Which car insurance commercial is aimed towards experienced drivers?

Is it hard to learn how to file insurance as an admissions person?

Am I paying too much for car insurance? Advice?!?

I'm 19 years old. Has had my license since I was 16 1/2. No tickets or accidents. Right now I'm paying $150.00 a month with my current insurer (which is based off my Mom's) I recently searched and Liberty Mutual is giving me a quote of $79 dollars a month which is obviously a whole lot cheaper. How easy is it to switch and is there a down payment? And any other advice you may have. Thanks.

Can I be put under my dads car insurance?

I am an independent full time student. I live in my own apartment and I work full time. Currently I pay for my own car insurance and being that I am 19 years old, it is through the roof($170 a month). I have a perfect driving record. I live in Virginia and my dad lives in Alabama. Is it possible that I can be put on his car insurance to save money? I am buying a new car soon and I need to upgrade to full coverage, which is around $230 a month, which is higher then the car payment itself.""

Why does health insurance pay for doctor visits and teeth cleaning?

My car insurance doesn't pay for oil changes. Basic maintenance is up to me. As near as I can tell insurance is like an expensive savings account that you can take more money than you put in if needed.

Where to find cheap insurance in ontario?

I'm turning 22 had a Kawasaki Ninja 250R as a starter bike and looking to upgrade to something bigger. I have a clean record but any online quote I get for a bike 600cc or higher results in $10,000/year or higher in insurance. I see guys my age riding around all the time on R6s and CBR600RRs and I don't understand it. Am I missing something? Any suggestions would be greatly appreciated.""

Where can I find the cheapest auto and motorcycle insurance in Tennessee?

the absolute cheapest state minimum just to drive legal

Where can I get motorcycle insurance in Ontario?

What website can I get motorcycle insurance in Ontario for a SPORT BIKE. Thanks

How can i get my insurance company (Infinity) fix my car ?

Hey i just got into a car crash last month and i've been calling my insurance company to come fix the car.. but all they'v been doin is taking pictures and asking questions about how i crashed.. and its been a month already and they haven't done nothing all they say is that they'r gona let me know whats gona happen later on, thats it... Any ideas ?""

""Insurance paid out too much, Am I obliged to give it back?""

After a solicitors firm managed to draw out a car insurance claim for 18 months I finally settled 50/50 on the incident, instead of refunding me 50% (400) of my excess the solicitors paid me 100% (800). I verbally informed them of the error before they issued the cheque and they still proceeded, now they have noticed the error they are asking for me to return the money. Am I legally obliged to do so and how far are they likely to pursue this if I do not?""

How much would my car insurance cost?

Right now I drive a red 99 mustang. I am paying around $2500 a year through National liability & Fire Insurance Co. for car insurance with nothing against me (no accidents or tickets or anything). I am 19 years old and am looking into getting a red 89 Trans Am. I live on the east end of Long Island. Based on the above info, what do you think I'd pay monthly for car insurance for the Trans Am?""

How much auto insurance do you really need?

like do you need medical or pip, all that extra stuff?""

""If I cause $1000 worth of damage to another car, how much is my insurance premium going to go up next year?""

If I cause $1000 worth of damage to another car, how much is my insurance premium going to go up next year?""

Car Insurance: Fully Comprehensive or Third Party ?

Plain English please: what is the difference between FULLY COMPREHENSIVE and THIRD PARTY FIRE AND THEFT car insurance? I have an old ford escort.

Estimated car insurance premium for a Camaro/Corvette?

I am looking to buy either a 2002 Camaro (5.7L V8) or a 2000 - 2002 Corvette (5.7L V8). I am wondering how much insurance will cost me. The detailed information and questions are as below: 1. Age: 34 2. Have been driving in the States for little less than 4 years. No accident at all. Only one speeding ticket about 3 years ago. (I had been driving for 10 years in Seoul, Korea with no accident at all, but it didn't count) 3. I used to drive a 2007 Toyota Tundra (5.7L V8), which I sold a few days ago. I paid about 450 dollars/6 months for full coverage. Questions: 1. How much would it cost me if I buy either one mentioned above? (even ballpark number would be appreciated) 2. Do year and purchasing price (or resale value) affect premium? For example, buying a 2008 brand new Corvette or a 2000 used Corvette makes a difference? 3. I know it would be higher to have a sports car, but do my age and driving record affect premium? If yes, how much do they affect?""

Is there a new law about not having car insurance?

i heard the law had just changed in California and my insurance just ran out in order to renew i need to drive to the bank and im not sure if i can with no insurance

How do insurance companies make money?

i know not everyone is going to be sick at once, and that they assess risk, but what's their model for actually making money?""

What are some insurance rates for 18 year old drivers?

I know there are multiple factors counted into insurance rates, including age, driving history, car, year. But I just want to know what's some insurance rates other teenage drivers had. Please state what type of car and how much you paid for insurance. Include whether you lived in the city or a rural area also. Thanks""

Where do insurance companies get all the money?

How does an insurance company afford to pay out all that money on insurance claims?

How long can I drive my car with out insurance?

I am buying a used car that isn't from a dealership. How long can I drive the car before needing to buy car insurance?

Do I have to have car insurance?

I'm 18, and I'm getting my first car that I'm paying for in two weeks (2006 Ford Mustang). Unfortunately, I don't think my mom will put me on her insurance. I don't have enough money to pay for my own insurance. My mom told me its illegal to drive around without insurance (Is this true? And how would police know?) Also, what would happen if I got into a car accident with damage to both cars and I was at fault?""

How can i lower my car insurance quotes?

hi im 16 and am soon going to be able to drive so i have started to look at what my inurance quotes will be for a newly qualified driver, and there to high at 3000+ for a renault clio with a 1.2 engine. Just wondering how i might be able to lower this figure with some kind of higher qualififed driving licence, if there are any compaies that insurance new drivers for quite low amonts or if i am just going to have to wait until i am older?? thanks""

How much of a difference per month for car insurance is there between a sports car and a regular car?

What should i expect in a auto accident and insurance settlement?

I was hit from behind on Wednesday evening heading to work. The driver was ticketed by the police and their insurance company has admitted full liability. Injury wise, I have whiplash which thankfully, is going away now. My car, according to their adjuster, is going to be claimed as totaled. So, my car is valued at 7400, and repairs just from visual inspection, are 7015. So they are going the totaled route as its cheaper for them. After they buy the car from me, they will sell it to salvage, expect to get 2k from it, and only be out 5400 instead of a full cost of repairs. So I've had the car for a year and half, taken out on a 5yr car loan. I still owe 12k on it. After they cut a check to the lean holder, I'm still responsible for 5k on that loan. The bank and my insurance at the time didn't offer gap insurance. Stupid of me, I let my current policy expire to search around for a more affordable policy. I kept procrastinating, and the accident happened with me having no insurance. Lucky he hit me and is at fault. I'm trying to see what my options are. I've gone to the liable company's website and see their basic plan for my state, law requires 25k in property liability for at fault accidents, plus medical etc. So I'm wondering what should I expect from the lady handling this claim. I'm not fooled when she called me yesterday and said that she is here to work with and for me. Saying that there is probably a lot of talk about lawyers, just know they will take 30-40% of you settlement. Know that I'm here to work for you, try to work with me I'm thinking my head total bull crap. 1, she works for her insurance company first, and will have their interest first, 2, she works for their client and to protect them from me in a suit. In the end, I'm not stuck with a car that they will not fully pay to have repaired, and will still owe 5k after they pay the loan holder the value of the car. My credit is damaged and getting a new loan is probably not going to happen easily. I really don't want to get a lawyer but I now have a car sitting in my driveway that I can't use plus a balance in the end. Anyone got some suggestions as to what I should realistically expect. The lady mentioned a liability settlement, repair settlement, medical expenses settlement, and personal injury settlement. I'm not out to make money on this as that just will not happen. But I have no car and will owe 5k still. I'm just like...f**k""

How much does auto insurance cost per month?

For a couple under 25 yrs of age With a Ford350 and a Mazda cx9

Can a car insurance company find out when you were first issued your license?

I know its wrong to lie, BUT ,my insurance would be SOOOOOOOOOOOOOO much lower if I had been driving for longer. I didn't get my license until I was 22 and I'm 23 now, but they give me the rates of a teenager. I pay way too much!""

Which car insurance commercial is aimed towards experienced drivers?

https://www.linkedin.com/pulse/progressive-auto-insurance-quote-online-free-emily-dickson/"

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yourcertainstudentlight-blog · 6 years ago

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Do insurance companies still ask for written no claim proof when you insure your car online?

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I just feel I cannot function as a normal person in society anymore. And times if there is no hope for me, I feel as if maybe the best solution for me is to commit suicide because I just feel so much like a freak to the world now. I want to start trying for another baby by August, but I don t have medical insurance....? My husband makes too much for me to get on Medicaid. I want to get a good insurance. I was wondering if anyone has any suggestions on what to do. VC5; Registered Keeper, Main Driver, Policy Holder (Insurance) & Owner? What is the difference between all these positions and how are they linked (in England)? I want to buy a car and only I will drive it, mostly at weekends (sometimes weekdays), but I will park it in my mums rented garage. However the car has to be in her name (what ever that means) enabling her to rent the garage. But she does not drive. Would my mother s status as Registered Keeper (if that is possible without a license) be sufficient for me to park my car at her garage overnight? For Tax and MOT whom will they contact? With whom will the INSURANCE communicate with? Who s name will be entitled to No Claims Bonus? And who is actually the Owner in this instance? (My head is spinning lol) Thanks Do the owners of insurance company s need insurance? if so can they insure themselves with their own company? or have to use another company? Do the owners of insurance company s need insurance? if so can they insure themselves with their own company? or have to use another company? What do i need to get a car registered at a california dmv? i called the office some lady told me only my id? im confused i thought i would need insurance and license but the lady told me different.. please let me know thanks Self Employed Health Insurance? My father just quit his old job, he couldn t work there anymore (Too long commute and we lost a parent, so he had to stay closer home for the family) So now he is self employed. We are trying to find insurance that will cover him, 4 children, vision (we all wear glasses) + dental. Does anyone have any suggestions? (We live in PA) Do I need insurance for my license? I live in North Carolina, and I just got my license a few months ago. I don t have a car yet, but I was told that I needed insurance in order to have a license. So, I m paying $80 a month for insurance, just for holding a license. My car savings aren t looking too good at this rate, so I was wondering if anyone knew of any cheaper insurance companies I could go with? What is Patient s Financial Responsibility When Insurance Company Adjusts Claims? My dental insurance company processed a claim by my dentist and denied it because of their contractual agreement with the provider that any fillings re-worked within 2 years are not the patients responsibility. The providers benefit statement regarding this service states, The amounts shown as payable by you and by Delta Dental are in accordance with the terms of your dental plan and the terms of our agreement with your dental provider. The benefits statement shows my 80% benefit level for this service. The insurance company is not saying that I am ineligible for the benefit. Rather, they are saying that the dentist is not eligible to be paid for this service (by either the insurance company or me) based on his contract with Delta Dental and the benefits to be provided by Delta Dental and paid by the customer. The benefits statements includes notes explaining why the claim was denied. The underlying question is: What is the patients responsibility when the insurance provider says it is zero in accordance with the insurance agreements that all parties are abiding by? Said differently, Is the insurance company the final arbiter of amounts owed by the patient? Does the insurance agreement prevail? Or does the doctor truly have the right to demand payment for amounts that the insurance company says the patient does not owe? I realize the patient is responsible for co-pays and deductibles. But I am pretty convinced that if the insurance company is denying the claim and also stating the patient has no responsibility, then the patient truly has no responsibility until and unless the provider gets the claim processed differently. The provider agreed to be bound by insurance processing when he agreed to accept this provider and its terms and benefits. Insurance companies routinely adjust the submitted fee downward to the accepted/contractual fee and providers routinely accept those adjustments (and that is one of the reasons we have this complex insurance system: to adjust charges to reasonable levels and protect patients. We pay tons of premiums for this benefit). It makes no sense to then claim the patient owes other amounts that the insurance company says the patient does not owe. How much does it cost for drivers ed? How much does it cost for drivers ed? My Car is totaled....Will the insurance company pay the leinholder or me? My Car has been considered a total loss. In owe about $35,000 and its only worth about $22,000. I have full coverage, and I also have gap insurance. Now, will the insurance company cut a check to the bank ( leinholder) and pay them off, or will they issue the check of the value of the vehicle to me?......If they pay off the bank?......Im screwed...with no car?.....thats not right?......!...Anyone have any similiar eperiences or answers? Do I have to spend my home insurance claim money fixing my house or can I just keep it? I am getting ready to move but there was some damage to my house in a storm. I would like to just fix the major problems and keep some of my claim money in my pocket for the move...is this legal? Would you rather have a law against gay marriage, or affordable HEALTH INSURANCE that can t be canceled? Admittedly a false choice, but still...electing a GOP/Teabag/Fox News /Jesus freak government would enhance the chances of a law against gay marriage and diminish the chances of some form of Medicare for all. Feel free to substitute Christian right for Jesus freak...consider it a figure of speech or an expression of art. Can I claim an abandoned vehicle and register it in my name legally with no come backs from the last owner? Can I claim an abandoned vehicle and register it in my name legally with no come backs from the last owner? How much do you pay for auto insurance a month? I had Geico with ok coverage and out of nowhere they raised my quote. So I decided it was time to shop around. I got an awesome quote with a different company and with even better coverage!! I couldn t explain why it was so cheap but I m not complaining. How much do you pay? How much would car insurance cost for a 20 yr old male? Im a 20 yr old guy and I want to get a car but insurance costs scare me. how much is normal for a person like me to pay? Kapolei Hawaii Cheap car insurance quotes zip 96709 Kapolei Hawaii Cheap car insurance quotes zip 96709 https://www.linkedin.com/pulse/insurance-125cc-michael-keller-1/

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carautotitleloans · 7 years ago

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New Post has been published on Car & Auto Title Loans

New Post has been published on http://getautotitleloans.com/auto-car-online-title-loans-kettleman-city-ca/

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kristinsimmons · 7 years ago

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There Are Buoys: The Real Path to Lower cost in the Coming Catastrophic Deformation of Healthcare

By JOE FLOWER

There are buoys, far out in the ocean, that bob in the waves and signal, through satellites, when the surf will rise at Mavericks on the California coast, or when the tsunami will hit.

Here comes.

Healthcare in the U.S. is a hollow economy, inflated, impossible, all over patches and gimcracks and work-arounds puffed up on clouds of hot air generated by sweaty, dedicated crews of policy panjandrums and podium pundits burning forests of acronyms. True, that’s just looking at the bad side. But this bad side goes all the way around.

Will it pop? Will it undergo catastrophic exothermal deformation? Is it the Hindenburg nearing Lakehurst? This could be.

Look, this is the 21st Century. Whatever its name, catastrophic deformation, restructuring, “disruption,” or “creative destruction,” this is normal for businesses, industries, entire sectors. We have talked and whined and freaked out about massive change in healthcare since we had a peanut farmer in the Oval Office, and it hasn’t happened. Not really. Trust me, I was there, I watched it not happen. Nothing like the video stores, big-box malls, and Fotomats whose husks litter the landscape like the yonquerías of Baja. Nothing like Eastern Airlines, Western Airlines (“The only way to fly”), Northwest Airlines, Pacific Southwest with its dayglo go-go-booted stews, PanAm, and all the others whose logos adorn the Electras, L-1011s, 727s and Constellations parked wingtip to wingtip in the Mojave.

Healthcare has planetary inertia, gas giant inertia. It snacks on cost-cutting schemes like DRGs and Certificate of Need commissions and just gets bigger. It downs slices of GDP — 12 percent, 15, 18, 19 — and just gets bigger. Right through recessions, reforms, budget cuts. It’s Hungry Mungry. Its extraordinary resistance to deep transformation, compared to other industries and sectors, makes us ask why. What is holding it together? And makes us ask: What would do it? What would puncture this hollow, makeshift gas envelope?

Today U.S. healthcare at $3.7 trillion is the largest business sector in the history of business sectors. If it were a country on its own it would be the fifth largest economy on the planet. The inflation rate of National Medical Expenditures is trending up, not down. Prices make no sense. Actual prices paid for the same procedure or test can be two, three, five, even 10 times greater across town or even across the street. U.S. healthcare wastes more than $1 trillion every year on overtreatment, doing complex, expensive procedures that don’t help, are not medically indicated, are not necessary, but are well paid.

But things have changed.

In 2012 I published Healthcare Beyond Reform: Doing It Right For Half The Cost, about how we could do healthcare for everyone in the country (not just the lucky) for half or less in constant dollars, in per capita expenditures, in percent of GDP, any way you want to measure it. In 2015 I published Getting What We Pay For: A Handbook for Healthcare Revolutionaries, with more detail and specificity about how to do healthcare for everyone in the country (not just the lucky) for half or less.

I haven’t changed my mind. Maybe I’m an extraordinarily far-seeing thinker with a long time span. Maybe I’m a loony optimism junky, a contrary contrarian. I don’t know. Ask my shrink when I get one.

But here’s what I believe: Today healthcare is where the film camera industry was in 1999, six years before Kodak blew up its factories in Rochester. It’s where cars with internal combustion engines and human drivers are today, on the edge of becoming relics and special-application vehicles. In 10 years healthcare will be unrecognizable, from its therapies to its workflows, from its physical plants to its technologies and especially to its economics. Any payer strategy which brings real market forces to bear, in which buyers, payers and consumers force providers to actually compete on appropriateness, on price, and on quality as in any other industry will bring the hammer down, will collapse those lunatic price spreads and wipe out the unnecessary, wasteful practices. The result will be a healthcare economy something like half its present size serving everyone (not just the lucky).

What are the buoys? What signals?

Let’s start with a lawsuit, not because it is a harbinger of the solution but because it well describes the problem.

Last month California Attorney General Xavier Becerra sued Sutter Health, a large hospital chain in Northern California, alleging (in the words of the L.A. Times) that Sutter Health “engaged in ‘anticompetitive contractual practices’ and that it charged prices for hospital healthcare services that far exceed what the company would have been able to charge in a competitive market.”

The suit cites a 2016 study published in the Journal of Health Care Organization, Provision and Financing that showed that actual prices paid at Sutter and Dignity Health, the other largest system in Northern California, were 25 percent higher than elsewhere in the state, raking in $4000 more per admission. A report by UC Berkeley researchers issued just two months ago pegs the difference at 30 percent. According to the Times, “Becerra cited the Berkeley study, which said the average patient hospital procedure in Northern California, $223,278, exceeded that in Southern California, $131,586, by more than $90,000.”

Thirty percent higher. Ninety thousand more.

Those are big numbers. As Kaiser Health News put it in their report on the 2016 study, “Hospital chains that buy up other facilities, clinics and physician offices often tout savings and improved services from coordinating patient care and eliminating inefficiencies. The researchers found no evidence that any potential savings were being passed along to the employers, insurers and patients who pay for the care.”

No evidence.

Both Sutter and Dignity disputed every aspect of the 2016 study, according to KHN. Dignity, for instance, said “a number of factors affect its prices for commercially insured patients. It cited high labor costs, the need to pay for state-mandated seismic upgrades and the expense of treating a rapidly growing Medicaid population in California.”

Southern California, it should be noted, does not have 25 to 30 percent lower labor costs, fewer earthquakes, lower seismic standards, or fewer poor people than Northern California, nor is there any difference in state regulations. There is only one difference according to multiple studies: Market concentration.

It’s right there on the frozen juice can: Concentrate

How’s that work? Consider what you go through to buy a car, a house, a breakfast burrito, or some toenail clippers. You know what you want: A four-bedroom McMansion, maybe, within a 45 minute commute. You know roughly how much you are willing to pay: No, I won’t pay $400 for toenail clippers. Don’t be silly. Or even $15. A couple of bucks, tops. You know or can easily find out what different places will charge for that car, locally or online, however you want it. There are plenty of places willing to supply what you want. Nothing constrains your choice. It’s perfectly legal to pick up that breakfast burrito at any of a dozen different places along your commute route.

That’s how capitalism is supposed to work. The end user makes (or at least influences) the choice, has options to choose between, and has plenty of information to power that choice. Buyers with choice, options, and information: Constrain any one of those and costs can go kablooey. Market concentration allows the seller to constrain all three.

How’s that work in healthcare markets? It’s complicated, but here’s the 101-level 411. Health systems do have a lot of Medicaid patients, Medicare patients, and “dual eligible” (Medicare + Medicaid). These two often account for a majority of charges (though not necessarily a majority of patients, because the Medicare patients are older and the Medicaid patients often sicker than average). Then they also have the private pay patients, with Blue Cross or other insurance. And some that fall outside all of those systems. Most big employers are “self-funded,” that is, rather than pay an insurance premium they pay the actual costs of their employees’ medical care—but they still pay through the insurance company at the rates the insurers are able to negotiate.

Typically, reimbursement for Medicaid patients are thought to come in at something like the system’s costs (though not the cost to produce any particular baby, tumor excision, or valve replacement, since most systems do not know their “total cost of ownership” of any particular product). Private insurance pays considerably more, and Medicare somewhere in between. Medicare and Medicaid reimbursements are more or less dictated by the federal and state governments, respectively.

Choose your strategy

So a healthcare system has a strategic choice to make. Some take the hard way. The combination of Community Medical Centers and Santé Health Foundation is centered in Fresno, California. It has a territory that somewhat overlaps that of Sutter, and it has a higher than usual concentration of Medicaid patients and uninsured, especially the agricultural workers of the Central Valley. CEO Tim Joslin will tell you (as he told me) that a decade or more ago they set a goal. If they were to survive they needed to get all of their actual costs low enough that they could survive at the Medicaid reimbursement level.

This is long and difficult work. He says they have more or less accomplished this, which has allowed them to grow, to add more services, open new departments, new clinical lines, to serve the people of the Central Valley better.

Others take the opposite path: “If we are to survive, we have to grow so that we have really significant market power throughout our area and can charge higher prices to the private payers: the insurers, employers, unions and pension plans.”

Look at this from the point of view of the insurer, in effect the buyer’s agent. You are selling people access to doctors, clinics, hospitals, and other medical services. In order to compete, you have to put together networks of such providers in every area that you cover. In some counties, you just can’t do that without one or both of the biggest chains of providers. So you say to one of these big chains, “Let’s negotiate so that we can include these particular hospitals and these medical practices in the network that we can offer our customers.” But the big system says, “No, if you want those, you have to contract for our entire system, every service, even in areas where we have more competition. And you have to not include anyone who might undercut us. That’s the deal, take it or leave it.” And the other big chains say the same thing. It’s “all or nothing.”

So you’re stuck. You can offer your customers access to medicine, but not the power of choice and options to exercise that power. Nor can you offer them information. Such contracts often include “gag clauses” specifically designed to prevent the buyers or end users from knowing how much a procedure or test is going to cost, let alone attempting to negotiate a price.

So the seller (the big medical chains) can constrain your ability to choose, the options you have to choose among, and the information you might use to do the choosing. And the market fails. There is no way for the buyers and sellers of healthcare to discover what is the true “market price.”

Wasn’t Obamacare supposed to keep costs down? The core strategy of Obamacare was (and is) to promote competition between insurers: Get more insurers fighting for market share. They win by putting together networks of medical providers and services who are willing to work for less. You can’t do that when the medical providers bulk up and say, “All or nothing.” The core cost-cutting strategy of Obamacare was wrongly conceived.

The battle cry for the healthcare industry all this time has been “value purchasing,” that is, “We need to allow the customer to buy on value.” What a concept, like the title of my book, we could “get what we pay for” in healthcare. But the action has mostly been confined to lip service. The actions of the industry have mostly been to fiddle around with little doodads and folderols like quality payments forced on them by the federal government (which can amount to a few percentage points of total payments) while consolidating massively to keep their prices up, rather than offering real competition between providers on price and quality, offering customers an array of options with an array of prices, the legal and practical ability to choose between them, and the information they need to make the choice.

The Shape of the Wave

What is the shape of this tsunami? What are the signals we are getting from the buoys?

Angry consumers: With deductibles climbing ever higher, even insured consumers are taking more of the burden. Getting billed $937 when you take your tot’s bleeding “this little piggie” toe cut to Emergency, you get angry, aware, and open to new solutions. And this repeats over and over, every day, all across the land, to pretty much every consumer and every voter.

Damaged ACA: The Republicans eight-year drive to “repeal and replace” Obamacare evaporated with a whimper. But they are still managing to bite big chunks out of it by removing the penalty for not having insurance and other administrative changes, all of which tend to drive healthy people out of market and leave it increasingly to the older and sicker. This drives up the insurance costs for those who stay insured. With fewer healthy people signing up, we will see premiums and deductibles continue to go up by double digits every year. Again, voters get angrier and open to anyone who is promising new solutions.

Smart politicians: Beating up on Big Med is becoming politically smart again, as in Becerra’s suit. We will see more legal actions like California’s, and other political attempts to outlaw “all or nothing,” gag rules, and other specific anti-competitive practices that make consolidation so profitable for medical providers.

Angry employers: In 2014, the year Obamacare came into play, some 21% of employers said that rising healthcare costs were a big problem for their business. By last year that had risen to 44%. That’s a big rise in three years. These big buyers are increasingly fed up. They are not idiots, they know that they are being played, and they are increasingly aware that they, too, have market power. Did you wonder what Amazon, Berkshire Hathaway and JP Morgan Chase meant when they announced a few months back that they are forming a new business to build their own healthcare system? This. They will have the market power to go directly to medical services in the markets in which they have a lot of employees and say, “You want these tens of thousands of cases? What will you bid?”

They can use strategies such as reference pricing, bundled payments and medical tourism to force medical providers to compete on price and quality. If you’re a big employer in Alameda County, California and your employee needs a new knee, the average cost to you works out to about $52,000. Promise the employee a $2,000 bonus, no co-pay, all travel costs paid, and a free week’s vacation while recovering on the beach in Los Cabos, Mexico, and the total cost to you the employer will be something like $15,000. Because the cost for the total knee replacement at H+, the best hospital in Los Cabos, is about $9,500 all in.

In creating real competition, big buyers are good, bundles of big buyers even better. But won’t this only serve those big employers? Won’t the medical systems just carve out special deals for them and go on their merry way raising prices on everyone else? No. Here’s why: There is a problem for hospital systems treating these deals as one-offs and loss leaders, because these are typically their most profitable cases. And if the strategy works for the biggest employers and bundles of buyers, others will flock to the strategy, consultants will set up shop showing them how to do it, new combines will be born, and soon the hospital systems will find that they have to compete on the same basis for a significant chunk of the most profitable cases.

When that happens to you, you can’t treat these as one-off deals, you have to change your whole pricing structure. To change your whole pricing structure you have to seriously engage in the long, detailed, life-changing struggle to drive down your own internal costs. The changes you have to make to really get your costs down are systemic. It is not possible to change your workflows and technologies just to accommodate just some specific customers. You have to make your whole system more efficient.

New market entrants: Pissed-off customers and big buyers are already attracting new providers that do business in different ways. This includes new primary chains such as Xoom, Iora, One Medical, and Chen Medical; super-primary chains such as ReadyMed which offer some services such as emergency services, infusion and overnight stays, that go beyond primary care; free-standing Emergency Services that do the same, and other types of specialty services with standing advertised bundled prices and warranties (“We’ll do it until it’s done right.”).

This is why we are seeing OWAs (other weird arrangements) unlike any we have seen before, such as the merger of CVS and Aetna, of Wal-Mart and Humana, of CIGNA and Express Scripts. These are all attempts to break up the market differently, to penetrate the economic wall.

Your own medical record, real, digital and free: We have been building digital systems in healthcare since the late 1980s, and the entire industry has been mandated to digitize since 2009. In all that rush to digitize the legacy healthcare IT companies have done everything they can to help the healthcare providers make all that information—including your medical records—unreadable by anyone else, all as part of their strategy to build and keep market share. Since 1996 by federal law you must be given access to your medical records on demand. Since 1996 the major industry practice has been to impede that access every way they can by delivering them only on paper (You ever wonder why healthcare is the last bastion of the fax machine? This.), in coded language that is unintelligible not only to you but even to other doctors, and in ways that cannot be searched by other medical practitioners.

That’s toast. The Trump Administration, which so far has not brought a single action to help consumers and has done everything it can to reverse previous administrations’ rules, is to the amazement and wonder of all bringing out the whoop-ass on this one. Seema Verma, the administrator of the Centers for Medicare and Medicaid Services, showed up at HIMMS, the massive 40,000-person healthcare IT conference in Las Vegas last month, to announce that by January 1, 2019, every medical entity has to build the necessary interface so that you can download your medical records, written to industry standards and in language you can understand, any time you want to. She was introduced by Jared Kushner, then backed up by the Health and Human Services Secretary Alex Azar in a speech elsewhere.

Every entity. By next January. All other information-sharing rules under HIPAA are “may share” rules. This is the only “must share.” Unless the “Fox and Friends” morning hour policy gurus find a way to rail against this policy change and blame it on James Comey, this is going to happen.

Here’s the kicker: The federal medical privacy law (HIPAA, the Health Insurance Portability and Accountability Act of 1996) applies to all “covered entities” such as hospitals, doctors, and insurance companies. You are not a “covered entity.” It’s your medical record, your privacy, and you can do what you want with it, including giving your records to some competitor of theirs, a different insurance company or healthcare system across town or across the country. Such full information is so valuable to insurers to help guide your care less expensively (such as guiding you into a diabetes program or a prenatal program) that they may well pay you to give them full access to your records. System X has never shared information with System Y, but they both have to talk to you, and you can say, “Here you go. Take my information, please.” And the information walls in healthcare come tumbling down.

New tech: When you talk about the future of healthcare, people tend to think about new technologies, such as robotics, blockchain, artificial intelligence and machine learning, and the array of gadgets and implants that can connect the patient to the system in real time. Won’t these make the system more efficient and lower costs? Yes, absolutely, when the industry gets really focused on being more efficient because an enlivened market forces them to.

Not news

This is the path to lower-cost, higher-quality healthcare.

Why not just force the cost down by law? Single payer, or nationalized, or whatever, just say, “Stop that!” Because it doesn’t work. Lots of reasons and mechanisms, but see the above, look at the history of Hungry Mungry. Coercive laws, cost-cutting schemes, codifying reimbursements under Medicare, over and over again turn out to not be really coercive. Market forces are coercive. If the market finds ways to say, “Give us a better price or we will take our business elsewhere,” there is no argument, no lobbying, no rule-making that can stop it from forcing you to get better, faster, and cheaper at what you are doing.

Here’s something funny. None of this is news to the people who run these big systems. They are no dummies. They can see it coming. The CEOs and strategy teams of medical systems will acknowledge this in private. Their current strategies are delaying actions. They’re trying to build their market power, their capacity, and their financial reserves, against the inevitable. I asked one CEO when he was going to reduce the prices in his imaging center, which were four times the prices of the imaging center right across the highway. He said, “When I don’t get the volume.” When the market brings the hammer down. When the tsunami hits. When the metaphor of your choice collapses the hollow healthcare economy.

There Are Buoys: The Real Path to Lower cost in the Coming Catastrophic Deformation of Healthcare published first on https://wittooth.tumblr.com/

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