#Underinsurance

[ashburnhaminsurance]

The Hidden Costs of Underinsurance for Tradespeople

Insurance is often viewed as a necessary expense by tradespeople, but its importance goes far beyond simply ticking a box. While having some kind of insurance policy may seem like enough, being underinsured can expose tradespeople to significant risks. The hidden costs of underinsurance aren’t always immediately apparent but can have serious consequences, from financial loss to reputational…

[normal-with-adhd-is-a-joke]

I've seen several posts discussing the trade-offs of using a mobility aid, and how many mobility aids can cause health issues later on. While this is absolutely true, I want to emphasize something else very important.

It is not normal for your mobility aid to be causing you new-onset issues.

If you are experiencing new pain, muscle weakness, contracture, etc. it's important to look into it asap. Your doctor might have gone over possible issues and their danger levels at prescription or followup appointments for your aid, if they gave you educational material about these issues check that first. If you're experiencing an issue that you're not 100% sure is an expected (and safe enough to not be an emergency) side effect of use, get in touch with a doctor to make sure you're not having a fixable problem and/or a medical emergency. An occupational therapist was able to help me the most but depending on your condition and the issues you're experiencing you might benefit from a physical therapist or a specialist more. Another important thing of note:

Open pressure sores/bedsores are an emergency.

It can feel silly to go to the hospital for a small wound, but if they're not treated and you aren't repositioned to take pressure off the sore you could develop a bacterial infection and die. More than 24,000 people die from pressure sores every year. If you spend a lot of time in bed, sitting in the same place, or in a wheelchair/powerchair you need to learn to recognize the early signs of pressure sores and seek out ways to prevent them. There are special mattresses and cushions specifically for preventing sores. If you have paralysis or another condition that might mask pain you need to either check yourself regularly or have someone check you regularly for sores.

Less important but still good to think about, I recommend talking to someone who specializes in joints (i.e. an orthopedic doctor) about how you position yourself in a bed, couch, or chair if you spend a lot of time in one. Take a picture of your setup, bring it to them, and ask if there's anything more you can do to prevent joint or muscle injury.

[luisdanelson]

In Cape Coral, homeowners often make common insurance mistakes that can leave them underprepared. Key errors include underinsuring their property, which can lead to insufficient coverage in case of disaster, and overlooking the need for flood insurance, as standard policies often don't cover flood damage. Many homeowners also neglect to review their policies annually, missing out on necessary adjustments due to changes in their property or circumstances. Additionally, opting for the cheapest insurance without considering coverage quality can lead to gaps in protection. Finally, ignoring additional coverage options like personal property and liability can leave homeowners vulnerable.

[michharrison]

Rant Time

Today, while ignoring the coronation of T*, and preparing for the snow, I went to shop for car and renters’ insurance.

Why do I have to put in my e-mail address and phone number while shopping?

There is absolutely no reason for this bullshit.

Nowhere else do you have to enter that information to shop.

E-mail, OK, sure I can click unsubscribe and send any other emails from you to spam and click report spam with delight.

But phone number? I’m shopping online. I don’t want to talk to anyone. Otherwise, I would have called you or an independent agent. You don’t need my fucking cell phone number to call me every couple of days to try to sell me your insurance, especially when your website has already shown that you’re my expensive than what I’m paying now.

Also, when you show me the quoted price, give me the option to see the 6-month price, not just the monthly price. Some of us buy ahead of time and it makes it easier to compare apples to apples, not apples to pineapples.

I also know that if you can find all that other information on my current policy, why are you going to show me options that are less than what I have now? Now I must adjust your quote to match my policy, again to compare apples to apples, not apples to bullshit.

A couple of sites pissed me off so much with this bullshit; I’m staying with who I have now.

[millarlawfirm]

Car accident claims can be complicated. In our latest Legal Guide, we explain how to make an Uninsured Motorist (UM) or Underinsured Motorist (UIM) claim in Georgia when the at-fault driver lacks sufficient coverage. https://atlantaadvocate.com/legal-guides/car-accidents/uninsured-motorist/

[lokiinmediasideblog]

PLEASE SPREAD THIS AROUND TO KEEP COVID SHOTS FREE FOR THE UNINSURED IN THE USA

[misku-nimfa]

TW: U.S. Health Insurance system & Underinsured

*Apparently* the out of pocket max is the mas I pay for people in network. With the deductible being the maximum amount I pay *entirely on my own* for people in network. While any claim insurance decides to deny putting towards either is treated like I'm doing *nothing*. Even when I explicitly chose this plan so my doctor would stay in network, I fucking checked that the doctor was in network with the insurance company AND the doctor, but I'm the ***silly*** one for expecting the damn coverage I am paying for 🤬

[politijohn]

Americans' animosity towards the US health insurance industry is justified

We spend more on excess health care administration than all public colleges spend on everything...

Excess health care administration is the amount by which those expenses would fall if we switched to a single payer system, according to the CBO.

Health insurance is increasingly costly...

More than 26,000 Americans die each year due to lack of health care. 44% of Americans are either underinsured, uninsured, or will experience a gap in health care coverage...

8% of Americans have medical debt which totals over $220 billion...

Insurance claim denials are on the rise. The process for why a claim is denied is secretive and often administered using shady practices...

[ashburnhaminsurance]

Is Your Rental Property Underinsured?

Insurance is a vital part of being a landlord, protecting you and your property against a number of risks including theft, damage and even tenant injury, in cases where a claim is necessary. However, a shocking number of landlords are finding that they are underinsured when it comes to their policy and often accidentally. From incorrect valuations to changes in economic inflation or even the cost…

[gayofficial]

Vaccine Resources in America

Hi! I just wanted to make a list of programs that provide recommended vaccines at low or no cost in light of everything happening with the department of health and government funding in general. I don't want to scare people, but I cannot imagine that funding for these programs will increase with Trump, Elon, and RFK JR in charge, and there have already been several measles outbreaks in 5 states so far this year, and it is only February.

If you are 18 or younger, the Vaccines for Children program provides free vaccines to those who are American Indian, Alaska Native, Medicaid-eligible, uninsured, and underinsured. Proof of this status is NOT required, and so if you have parents who would not assist in providing documentation, do not worry. Certain providers may ask for an administrative fee, but this will vary by location and will almost certainly be on a sliding scale. These programs are run through your state or territory health departments, which you can find easily through an online search or here.

Many states also offer VFA or Vaccines for Adults programs. Not all of them are called "VFA", but many are. Depending on where you live, searching your state, county, and/or city health department websites can lead you to low and no-cost vaccine programs in your community.

Even if you were vaccinated as a child, if you are unsure if you have received the full recommended vaccine schedule you should still look into these resources. The DTaP (Diptheria, tetanus, and acellular pertussis) vaccine needs a booster every 10 years and/or every pregnancy to retain full effectiveness. You should also get flu and COVID boosters as recommended.

If you decide to call your health department to inquire about specific vaccination resources in your community, you do not need to worry. These people have gone into public health because they want to serve their community and ensure better health outcomes for everyone in it, and that includes you. With all of the vaccine hesitancy brought on by COVID-19, conspiracies about the ingredients inside them, fears that they cause disease, and concerns that they cause autism, your questions and desire to get vaccinated will be welcomed.

If you have any questions feel free to reach out to me and I am more than happy to help you find and reach out to resources specific to your area!

[doubleca5t]

Wait what does statefarms bad underwriting mean for their customers though? Bcus I’m with statefarm (underinsured on my home) in a very high risk wildfire area where all my neighbors got dropped and forced onto the California fair plan

The best way I can put it is that a company having poor underwriting is good for a consumer during the "fuck around" phase and bad during the "find out" phase. While the company is writing a bunch of business they shouldn't you can get cheap insurance, but as soon as they figure out that they've made a mistake you'll be thrown to the wolves and the next carrier you go to will likely charge you several times more than what you're paying now. Also if you're underinsured I would start shopping around now cause that WILL come back to bite you

[thoughtportal]

Join us in urging Congress to fund free COVID vaccines for underinsured and uninsured adults. The CDC’s Bridge Access Program, which provides COVID vaccines to uninsured and underinsured adults, is ending prematurely in August 2024 due to a loss of congressional funding.

Thanks to our community’s advocacy, the CDC voted to recommend the upcoming 2024-2025 vaccine formulations for all ages, 6 months and up. All of us need access to the latest vaccines to reduce the risk of severe disease, reduce the risk of Long COVID, better match currently circulating variants, and combat waning immunity. Now, we need your help again to demand congressional funding for vaccine access for uninsured and underinsured adults.

You can submit a letter as seen below via our Action Network campaign, keeping our letter in full or editing it as you wish. Letters to elected officials are most effective when they start with a brief personal comment (a sentence or two) about why vaccine access for uninsured people matters to you, your loved ones, and your community.

[arinzechukwuture]

Michael Jordan has opened a third clinic in Wilmington, NC, to support uninsured and underinsured residents. The Novant Health Michael Jordan Family Medical Clinic was funded by his $10 million donation, providing primary care services such as health screenings, preventive care, and behavioral health support. This donation also helped establish two other medical clinics in New Hanover County. The first clinic, located at 15th and Greenfield streets, began operations in April 2024, and the second is near Princess Place Drive and North 30th Street.

Continuing his commitment to his community, Jordan partnered with Novant Health to open the third clinic on May 7, 2024, at 1423 Greenfield Street. The goal of this clinic is to offer essential care to uninsured and underinsured individuals. These efforts are part of Jordan’s broader mission to improve healthcare access and equity, ensuring that quality healthcare is available to all residents, regardless of their insurance status.

[meadowsopranostoriamosposter]

Remember when an underinsured podiatrist named dr.car ran me over with his car, breaking several bones in my ankle and leg, and I had to just act normal when they said his name and profession in zoom court