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dinafbrownil · 5 years

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Sickened By Billing Abuses, Readers And Tweeters Stand Up For Patients’ Rights

Letters to the Editor is a periodic feature. We welcome all comments and will publish a selection. We edit for length and clarity and require full names.

Private Equity Predators?

First of all, let me thank you for writing about such an important issue (“Investors’ Deep-Pocket Push To Defend Surprise Medical Bills,” Sept. 11). I am going to tell you about my personal pain regarding surprising medical billing.

They can call themselves Doctor Patient Unity group or any other fancy name, but the reality is that they are all predators. I say this because I am the victim of these doctors groups. I work as a linguist with the U.S. Army and have top-secret clearance. I could lose my clearance if any of my bills go to a collections agency.

I had appendix surgery on Nov. 6, 2018, at the Davis Medical Center in Layton, Utah. The surgeon had told me that my surgery would take only 10 to 15 minutes. After two hours of surgery, I was released from the hospital and sent home. My insurer, CIGNA, paid all the Davis hospital bills and I paid my portion of the bills. Then in March 2019, I received two separate doctor’s bills totaling about $48,000. My insurance was not paying the doctor’s bills because they were out-of-network. The doctor’s office kept sending me letters to pay $48,000 from my pocket; if I did not pay, I was told, my bills would be sent to collections.

Finally, I received a letter from the collections agency saying that if I did not pay $26,770, it would send the information to the credit agencies. Can the Doctor Patient Unity group tell me what I should do? Should I lose my clearance and my job because I cannot afford to pay $26,770? Should I borrow money from the bank and then pay high interest to the bank for the rest of my life?

— Aziz Rehman, Kaysville, Utah

This is a very misleading article. Many independent physicians speaking out want IDR to solve the problem of outliers and take patients #OutOfTheMiddle. Insurance-backed lobbyists are using this issue as a #TrojanHorse to enrich corporate shareholders at expense of physicians.

— Amy Mecozzi Cho, MD MBA (@amychomd) September 12, 2019

On Twitter, Dr. Amy Mecozzi Cho of Minneapolis diagnosed holes in the article. For example, she told KHN, “the contracted rates for insurance are misleading since our bad debt for patients with high-deductible insurance is greater than 60% of their deductible, but insurance companies won’t bill them because they know this. And so our effective rates for commercial insurance are actually much lower than contracted. The medical loss ratio and the CBO estimates are not capturing these costs to patients and physicians.”

Religious Malpractice

My sister, a hospital chaplain (of Roman Catholic faith), informs me that it’s considered chaplain malpractice to try to force a patient to cope with suffering in the exact way others think they should (“Firing Doctor, Christian Hospital Sets Off National Challenge To Aid-In-Dying Laws,” Aug. 30). It would follow, then, that a hospital’s requiring staff to “help” patients “appreciate the Christian understanding of redemptive suffering” is a paternalistic dismissal of patient integrity and a form of malpractice. The medical relationship is between the patient and the doctor, not the patient and the Vatican.

— Gloria Kohut, Grand Rapids, Mich.

Many hospitals in India are controlled by religious organisations (Hindu, Jain, Christian, Muslim) Are they also as intolerant to differences in one's approach to what is ethical in medical practice as the Christian hospital in this case? https://t.co/Nzy6JN348B

— Amar Jesani (@amarjesani) September 8, 2019

— Amar Jesani, Mumbai, India

It’s unfathomable that students with disabilities can’t get the aid they need to attend college and live in the community! Bravo to this Stanford freshman for fighting for services. It’s past time for readily available help for students! #DisabilityRightshttps://t.co/EuVnUzEX8b

— Areva Martin, Esq. (@ArevaMartin) September 2, 2019

— Areva Martin, Los Angeles

Squeezing The Most Out Of Student Aid

I saw Jenny Gold’s excellent article in the Los Angeles Times about a disabled student’s need for assistance as she starts school at Stanford (“Spotlight: A Young Woman, A Wheelchair And The Fight To Take Her Place At Stanford,” Sept. 4). I wanted you to be aware that the Department of Rehabilitation in California pays for additional expenses for students to train them for future employment. This includes laptops, supplies, transportation expenses, necessary expenses. They might also pay for expenses for care above and beyond the approval of the state Department of Health Care Services.

All students face the issue of how to support themselves while in college. Stanford’s lovely gift of education for all who are accepted is often not used due to the high expenses of that area. Many students are unable to afford college, even with a full scholarship.

Those who have paid their way with student loans and are now employed in high service areas, such as medicine, psychiatry, social services and teaching, are strapped with lifetime payments. Our best and our brightest who serve our communities are in debt to the point where their income barely pays their lifetime of student loans. Sylvia Colt-Lacayo’s situation may have more expenses, but the debt of $2,000 a month is not unique for a full-time university student.

— Teresa L. Pardini, LMFT, Creativity in Counseling, Nipomo, Calif.

This young woman got 4.25 GPA & a full ride to Stanford despite never drinking ANYTHING at school so she wouldn't have to pee, bc that's what it takes for ♿ kids to excel in an abled world. That she still has to fight for care should infuriate you.https://t.co/B9vH1c1ATK

— Sonja Sharp (@sic_sonja) September 3, 2019

— Sonja Sharp, Los Angeles

A Heroine In The Opioid Fight

Please thank this wonderful, dedicated and tough woman (“Longtime Crusader Against OxyContin Begins To See The Fruits Of Her Struggle,” Sept. 17). That criminal company and every single member of the Sackler family had been well aware of the entire scam for decades, but they kept their mouths shut, turned their heads, denied everything and couldn’t care less since they were stuffing their individual pockets with hundreds of millions of dollars for each member of that large family. Every dollar should be clawed back from each family member. They’re laughing all the way to the Sackler Wing of 20-plus museums around this planet.

— David Padawer, Pittsburgh

As the father of a recovering opioid addict I see Barbara's efforts and passion for accountability is so heroic. The loss of her son is so terrible….

— Dave (@dwpena) September 17, 2019

— Dave Pena, Roseville, Calif.

Senior Hunger And Pangs Of Conscience

I’ve been a medic for over 20 years. I have patients that have to pick between eating or taking their medications. It’s disgraceful. We need to have articles like this written every day (“Starving Seniors: How America Fails To Feed Its Aging,” Sept. 3). Thank you.

— Eric Johnson, Marana, Ariz.

Many hospital stays are for ppl w complications of starvation and malnutrition – confusion/delirium, dangerous electrolyte imbalances in salt, sugar, potassium

We need programs for starving People.

How America Fails To Feed Its Aging https://t.co/gv6Z8HnqZH @khnews

— Tina Chee, MD, MPA (@Tina_Chee_MD) September 3, 2019

— Dr. Tina Chee, New York City

I’m 68, a widower, disabled after two open-heart surgeries, with no family left. The last person to visit me at home was the yearly home health care nurse, back in February.

I am just like the people in your article: old, worn-out and forgotten. After a lifetime of work, I get by on a check that’s half of what a minimum-wage worker flipping burgers might make at $15 an hour. I can barely afford to eat the burgers now. No one, no insurance company, no politician is trying to help seniors out of poverty.

My biggest fear is dying and my little dogs being left alone for weeks or months to die before anyone finds me. Having moved to a rural area after my wife died, people don’t warm up fast to outsiders. It’s awful not to speak to anyone for years — yep, years — outside of cashiers. Just letting you know there are a lot of us out here.

— Rick Wrenn, Mount Carmel, Tenn.

What happens when the system designed to protect millions of seniors facing starvation is broken? The Older Americans Act is one critical piece holding many local Meals on Wheels programs together. We need you to ask… https://t.co/eicvq9gRln

— Chapa Arts & Photog. (@Berrysicles) September 12, 2019

— Maria De Jesus Chapa, Houston

Double Checking Fact-Check Facts

As the chairman of Physicians for Fair Coverage (PFC), I have joined doctors around the country in working to protect patients from surprise medical bills. I am writing now to set the record straight on the implications of various federal policies under debate in Congress. Not only did KHN’s recent article (“Doctors Argue Plans To Remedy Surprise Medical Bills Will ‘Shred’ The Safety Net,” Aug. 7) overlook research from the American Journal of Managed Care, the Centers for Disease Control and Prevention, and the Congressional Budget Office, it created a myopic interpretation of our argument in order to label it as “false,” which resulted in an inaccurate conclusion with respect to a complex issue that deserves a thorough, data-driven and factual examination.

According to the CBO, a benchmarking approach would cut payments to in-network physicians by as much as 20%. This translates into tens of billions of dollars shifted away from in-network physicians who are not sending surprise bills over the next decade. Emergency physicians treat all patients regardless of their insurance status. As a result, 70% of their patients are uninsured, seniors or poor families and children. Therefore, there is no practical difference between reducing commercial insurance payments and reducing Medicaid or Medicare rates. KHN’s own previous case study found that contributing factors to hospital closures include “high uninsured rates and a payer mix dominated by Medicare and Medicaid.” So, a benchmarking policy would create even larger disparities in quality and access to care over time for vulnerable populations.

Others agree that commercial payments play a critical role in supporting the care of America’s most vulnerable patients, including: American Academy of Orthopaedic Surgeons, American College of Emergency Physicians, American College of Radiology, America’s Essential Hospitals, American Hospital Association, American Medical Association, Association of American Medical Colleges, Catholic Health Association of the United States, Children’s Hospital Association and Federation of American Hospitals.

Instead of speaking with health care experts to better understand how reimbursement dynamics and patient access are inextricably linked in today’s economy, this article relied exclusively on the opinions of two biased research fellows who advocate for the very policy that our ad opposes and whose statements are misleading at best. The assessment also disregards a quote from the California Medical Association describing a lack of available anesthesiologists under California’s benchmarking approach.

PFC’s mission is to protect patients from surprise medical bills. That is why, this year alone, we helped drive constructive compromises that produced new laws in Texas, Colorado, Nevada and Washington. Similarly, at the federal level, we support legislation that uses a proven independent dispute resolution model to protect patients without disrupting responsible, in-network practices. To further protect patients, it’s important that Congress does not create an even larger public health issue with respect to the safety net while fixing the real issue of surprise bills.

— Dr. Sherif Zaafran, Washington, D.C.

When I traveled around the state last fall, Kansans made it clear that Medicaid expansion is a high priority. I'm going to do everything in my power to ensure this will be the year we will finally expand Medicaid in Kansas. #RebuildingKansashttps://t.co/gg7BXeopMp

— Laura Kelly (@LauraKellyKS) September 6, 2019

— Gov. Laura Kelly, Topeka, Kan.

Infected With Advocacy

Your story about Medicaid expansion fails to attempt any serious description of the reasons for opposition to this expansion (“How Political Maneuvering Derailed A Red State’s Path To Medicaid Expansion,” Sept. 6). The reader is left with the clear impression that opponents are ill-informed, parsimonious, uncaring of others (especially the poor) or all of the above. There is no suggestion that such opposing might be in good faith. You really can do better than this. You insult the intelligence of your readers when you fail to deliver the whole story in a fair and evenhanded manner so they can decide for themselves. There is enough “us vs. them” in current media. Don’t drag it into health care. If you want to take positions on important health care issues, please create an editorial page; don’t infect your “news” with those positions. And no, I’m not a Republican. I’m an independent tired of constant advocacy in the media disguised as news. Thank you.

— Geoff Hargreaves-Heald, Lincoln, Mass.

Two (not shocking, maybe disappointing) takeaways: – Citizen intent matters little if a few state actors know how to work the system. – Nothing works better than high medical bills for getting middle class voters to empathize with Medicaid recipients.https://t.co/JxHaho26pU

— Juhyung Sun (@JuhyungSun) September 6, 2019

— Juhyung Sun, Tucson, Ariz.

Why Prescribed Weight Loss Is Ill-Advised

What the author of the article dismissing the opinion of the dietitian who claimed stigma and yo-yo dieting cause more harm than obesity itself failed to mention is that, for many people, how weight might contribute to the development of physical illnesses is immaterial (Obesity Stigma And Yo-Yo Dieting, Not BMI, Are Behind Chronic Health Conditions, Dietitian Claims, Sept. 17). The prescription to lose weight, in and of itself, is damaging. Most dieters regain 100% or more of weight lost within five years. Additionally, people who are told to lose weight and subsequently diet are at significantly increased risk for body dissatisfaction, bingeing, disordered eating and eating disorders.

Health is not just physical health. Descartes invented mind-body dualism in a thought experiment in the 1600s. It is an idea that permeates modern culture and medicine to this day. However, we are not separate from our minds. Our mental health is not separate from our “true” health.

Obesity may or may not cause illness. If the process of losing weight creates more illness in the form of shame and eating disorders as well as health care avoidance, then continuing to blindly recommend it is irresponsible. The recommendation to diet should be made with an informed consent process. “Being overweight may put you at risk of developing X, Y and Z. I am recommending caloric restriction to remedy that. Caloric restriction is known to be ineffective in the long term, and puts you at risk of developing an eating disorder or of weighing more than you do now. The alternative to caloric restriction is to thoughtfully examine obstacles to your access of whole, nutritious foods, whether they be financial, psychological or otherwise.

“Compassionately adopting a diet that over time puts more colors on your plate and replaces processed foods with whole foods may in itself lead both to weight loss and decreased risk of chronic medical conditions. Additionally, finding a way to increase your physical activity, such that the activity is associated with joy and self-care, will also be protective against chronic conditions and may contribute to weight loss. However, if at any point weight loss becomes the goal rather than the logical outcome of sustainable changes, then we are back at the dieting step, with all its consequent risks.”

It doesn’t matter whether obesity causes illness. Deliberately losing weight is an ineffective approach to addressing what may or may not be a problem, and additionally causes harm. Let us guide patients toward what they have control over: food choices and increased activity, and let go of the number, not because it doesn’t influence health, but because focusing on it is ineffective and counterproductive.

If a formerly obese person is now skinny but miserable, hungry, obsessive, depressed and food-preoccupied because that’s what we evolved to do in the context of weight loss, why is that better? Any solution has to respect mental and physical health outcomes, or it is not truly a health-based recommendation.

— Dr. Sarah O’Neil, Boston

This article ignores the massive growing body of evidence around #weightstigma, argues against just two pieces @chr1styharrison put forward, then just uses quotes from experts to rebuff this claim and not evidence and the use of an odd metaphor about carrots.

— Kerry (she/her) (@HAEScoach) September 18, 2019

— Kerry Beake, Mandurah, Australia

Summer Camp Rehab — Or Torture?

The article “At This Summer Camp, Struggling With A Disability Is The Point” (Aug. 13) portrays what you describe as “necessary” but what many of us adults with disabilities remember as rehab torture — traumatic memories of painful so-called therapy with questionable or no demonstrable results. Even if the program had results, many of us would have chosen not to experience the pain. It’s old-style rehab of pretending it isn’t torturous and “we know what’s best for you.” This sort of rehab was vehemently rejected by disability activists years ago. It’s too bad adults who experienced this kind of therapy weren’t consulted. I believe few of them would describe this in positive terms. It’s not a new concept: If you work hard, with pain, you can become independent! So if you can manage to dress yourself in four hours and get ready for bed in three hours, you’re independent and met the goals set for you, even though you’re so tired you can’t enjoy the remaining few hours of your day. Most adults with disabilities would set a goal of having a quality of life over being independent. This was a very biased story and should have been more balanced from very different perspectives, especially from those with disabilities.

— RoAnne Chaney, executive director of the Michigan Disability Rights Coalition, East Lansing, Mich.

SUMMER CAMP FOR KIDS WITH DISABILITIES! There should be more camps just like this one! This Nashville camp was started for kids who have disabilities that require physical therapy, and the camp counselors turn the exercises into games! https://t.co/F2uMFpSSLs

— D'Amore Injury Law (@DAmoreInjuryLaw) July 31, 2019

— Tom von Alten, Boise, Idaho

Prescribing A ‘Deep-Dive’ Into Hospital Excesses

I think KHN Editor-in-Chief Elisabeth Rosenthal’s piece on hospital excesses is right on the mark (“Analysis: How Your Beloved Hospital Helps To Drive Up Health Care Costs,” Sept. 5). I was affiliated with a New York City hospital as a voluntary internist and retired four years ago. I wonder if it would be possible to do a “deep dive” analysis of a representative hospital’s charges and expenditures (several New York hospitals come to mind as candidates) by an investigative reporting group. I suspect there is a lot of money being spent that does not enhance patient quality of care (i.e., excessive numbers of administrators getting egregious salaries). I think you’ve discussed the salient reasons these contributing cost factors have not been widely discussed or debated ― but they must be.

I remember a news story about a patient who bought his artificial hip implant in the U.S. wholesale and, to save money, took it with him to Belgium to have it inserted. The hospital looked like a factory, and he was reluctant to go in — but he did, and as it turned out everything went well and he saved a lot of money!

― Dr. Lawson Moyer, New York City

from Updates By Dina https://khn.org/news/september-letters-readers-and-tweeters-patient-rights/

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durfeehtbelloraco98insuranc-blog · 5 years

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mercedes benz full coverage insurance

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kelseyriddle40-blog · 6 years

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Travel And Look Into Outstanding Malaysia.

My next wager from best cars and trucks in 2013 is actually Honda Impress. When you begin to experience far better I would certainly focus on enhancing workouts for the lower legs to accumulate the location around the knee. It is actually fantastic the amount of people leave these on after purchasing the automobile - they resemble traveling billboards for the dealer. Bad credit score car loans along with guaranteed confirmation option keep legitimate in your situation. Today the car is actually on call along with 108 as well as 140bhp power units. 10) Overlooking your poor credit scores for auto loan, is actually the only choice in discovering a valid business that really aids folks along with purchasing a vehicle along with bad credit rating. Some of my extra resources last shuck and jives prior to participating in the Air Force was actually removing this beautiful, mint circumstances vehicle of the engine and sending as well as hauling the body system to the region garbage lot - an act I'm currently embarrassed from of and also really hope The lord will forgive me for. If the truck or SUVs or passenger vehicles are actually provided additional treatment, that can go even farther. If you appear online you'll likely be actually thrilled along with the rental cars and truck costs in Mexico: $6 a day, $8 a day, as well as under $20 a day for a SUV. One may obtain a negative credit score lending off $5,000 to $75,000, and sometimes around 125% from your property value. MyChoize supplies wide variety from Personal Ride cars and trucks in Mumbai for the self-driven to select from. Given that the lender technically has the cars and truck, they'll get very first crack at any sort of insurance coverage remittance; and also you'll still be accountable for settling the funding balance.

Unquestionably this's not too bad, I handled to guide the auto around the desks in the Engadget office without knocking against a single chair, and possessed this performing some awesome spins at the center of the carpeting very quickly. But now, if you can not travel with yet another individual which may wait in the operating car with the a/c on with your pet dog, you have to certainly not travel or even you loathe animals. The proprietors of these cars are enthusiastic concerning their vehicles and also enjoy updating in addition to recovering their automobiles. This induces account activation inside the T cells that leads to the fatality of glioblastoma cells when CARs bring the glioblastoma surface area antigens together. Eventually that adds up to a significant volume, which will save you cash on rate of interest and also lessen the term of your loan. However other vehicle expenditures - including purchases income tax, vehicle insurance policy as well as repairs - will certainly be actually valued a little bit above average, placing the Lone Celebrity Condition on the more expensive side for having a vehicle. Installed the same year as the 1st production Corvette, the Firebird I was the very first gasoline turbine-powered auto built and also assessed in the United States Purely speculative, Firebird I was created by GM developers and designers to identify if gas generators can ever before be used as intention energy in traveler motor vehicles. DO NOT baffle Automobile Europe along with Car Europa - Sicily through Automobile which has an incredibly poor image. I understand a considerable amount of people who state they loathe steering, even when they do very own cars, yet I'm not one from those people. First you utilize on the car symbol, then locate and tap on Auto-pilot in the display that turns up. Finally, you change the observe distance through tapping plus or minus. Moreover, rebuilt sendings are commonly ready a great deal quicker, at times within a handful of days, compared to a brand-new transmission which must be bought and also transported, along with being actually set up by an auto mechanics.

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omgdrlelespet-blog · 6 years

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Things to Know Before Visiting Veterinary Clinics

We know a pet is part of your family and its' health is important to you. The right veterinarian and pet care facility is very essential for your friend. Before choosing a pet clinic you must talk to family and friends who have pets in their home. Their recommendations can help you take a better decision in selecting a veterinary clinic.

You can also check on the internet to reach pet clinics near you. But before visiting those clinics read reviews online and check out their services. If you are living in Mumbai, and looking for Pet Clinics in Malad West, Mumbai, then you can find many of clinic who are renowned for best care and facilities.

After gathering all of the information about the pet cares, you will visit a Veterinary Clinic. While visiting keep the following factors in mind:

Emergency veterinary clinic services: Emergency services are important if you are visiting a vet hospital, as they say, accidents do happen. We should know that there is no such thing called "Emergency services for pets" so make sure your clinic should provide these services.

Prices and insurance policies: We know that all of us are not be rich enough to bear the expense of pets. In India, 21.5% of cat owners and 29.3% of dog owners say they cannot visit veterinarian because of the expense. So you should find a clinic that comes under your pet insurance. If you don't know, call your insurance agent and ask them about the clinic.

Regulatory Services: Finding out what kind of services Veterinary Clinics in Malad West, Mumbai is offering that can spare you from various problems in case of emergency. Top five pet facility services include vaccinations, laboratory test, examination, medications, and flea or tick products offered by veterinary clinics. The most essential care for pets is dental care because most of the dogs and cats can be identified with signs of periodontal disease by three years of age.

There is no shortage for veterinary clinics in Mumbai; all you need to do is 'find the right one". Make sure, whichever clinic you are choosing will provide your pet best care. As we know Dr. Leles Pet Clinic is one of the renowned Veterinary Clinics in Mumbai. You can take your pet there for a complete health check-up.

Original Content Source... http://lelespetclinic.blogspot.com/2018/07/things-to-know-before-visiting.html

#Pet Clinics in Malad West Mumbai #Veterinary Clinics in Malad West Mumbai

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captain-unlikelynutbouquet-blog · 6 years

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oregon vehicle insurance requirements

"oregon vehicle insurance requirements

oregon vehicle insurance requirements

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Hi im looking for an affordable, dental insurance because it seems as though every where i look i can't get help because i'm not considered needy . And most health insurances have huge monthly payments without really any coverage. I think i need to get my wisdom teeth pulled and i have several cavities so if anyone can give any information on good dental coverage or even reasonable dentists' prices in san antonio, TX it would be greatly appreciated. Thanks so much in advance.""

How much would my insurance cost if i an a new driver age 16 in CT without a car ( i just use my parents car)?

My parents are good drivers and have no real accident record and i havre no criminal record and get decent grades. my dad saqys rates would go up 1500 dollars is he being accuratge?

How to appeal to insurance company?

My mom had Healthnet for her insurance provider in California. We started our move to Texas in Dec 2005. Mom made her payment in January. They still had their home in California, and it wasn't sold until February. So legally she was still a California resident. At the end of January she told them that she had moving to Texas. They refused her payment saying that she wouldn't be covered in Texas. In February she had emergency surgery. Healthnet paid everything. Then in October 2006 they denied all payments. Mom was supposed to have surgery on the hernia back in California but the doctor kept post poning it. Until finally he just said he wouldn't be able to perform the surgery. That was in January 2006, after she made her paid her insurance. My mom didn't know she had any rights, so she started paying on this $40,000.00 bill. I don't feel like she should be paying this. I have been trying to figure out how to write a letter to appeal it. I just don't know how to go about it.""

Does anyone know a reliable life insurance company that is also inexpensive?

Permanent Life Insurance, Term-Life Insurance, others, ect...For male, 56 years old""

Does my liability insurance cover my new car ?

I'll buy an used car from San Francisco, CA. I'd like to drive it to Los Angeles CA (in same day) and then wanna do all the paper works in LA..Does my current AAA liability insurance cover this trip?""

What is the average cost for insurance for a 16 yr old?

i just got my license like 2 weeks ago and im wondering about how much would it cost for insurance also i live in San Leandro CA if needed if car/s needed: honda pilot 2008 honda accord lx 2001 i didn't want to check quotes online cause i'd need my address and i don't really wanna put all that info

If you separate from your hubby and the health insurance is through him would I still be covered??

or do I have to get my own policy?

What is the best and most affordable insurance for baby?

Or is anyone know if there is any pediatrician for free? I live in California. Thanks

Why do insurance companies do a credit check. bad credit doesnt make you a bad driver and the same with good?

Can Geico ever higher the payment for monthly?

i've recently been a member of Geico and would like to know if they would ever higher the payment monthly than the usual payment they gave u the first time applied to geico insurance for my car. they just recently sent me with a large bill instead of the usual bill i pay. why was i billed with a large payment when i only have just one car to pay. have u had that issue with Geico?

Is car insurance cheaper for older cars?

Can someone drive my car if they have insurance but are not on my insurance?

I drive a car that is under my mom's name, and I am on my mom's insurance. My boyfriend has his own car and insurance under his name for his car. Could he still drive mine even though hes not on my mom's insurance (or listed as a driver)? I thought you could drive anyones car as long as you were under your own insurance?""

How Do I Get Health Insurance?

I'm thinking of leaving my job to go freelance in California. I have no idea where to even start to look for a private health insurance plan. I have a preexisting condition, so I'd probably be turned down for most regular plans. Should I look for an independent broker? I've looked online and it's impossible to find one. Does anyone know SPECIFICALLY where to go and what to do?""

How can I get my car insured?

I am the only driver within my household and am 16 i need my car insured in order to drive it and keep my job...insurance companies want to charge me 1400 A MONTH for my car due to age...is it possible to put it in someone elses name that does not live on resisdence??....any help would be great!!

How much will my insurance increase?

I'm a young driver (20) and my car insurance it's currently 3000 a year which I paid in full (lv) Now I had an accident 4 days ago and I scraped someone's car when reversing so as I worked with his girlfriend we started settling it outside work but he's giving me quotes for 1000 and I only scraped it. So settlin it is out of the question, I've only been driving since October and this insurance company I've only been with for 2 months, how much approx will insurance premium go up?""

oregon vehicle insurance requirements

Would this put a 15 year old on disability insurance?

(This isn't for me, it's for my younger sister, I've already left home) Okay so, my mother, although she's a doctor, is in pretty large amounts of debt and my sister Abby needs treatment for various mental illnesses (PTSD, Depression, BPD, General anxiety, Anorexia, all professionally diagnosed) She's 15, and she's currently failing school because she feels like she can't go to classes anymore so she just sits around the school (she has thoughts of failure all the time, but in class her thoughts are amped up and she can't concentrate on what she's doing because of the voices in her head). She's trying her hardest to deal with it all on her own, and she's gotten a little bit better (except for her eating disorder), but still thinks she needs help from a psychologist. Our mum can't afford one, and Abby's lost so much weight lately... Can she be put on disability insurance for this? She needs help, we can't afford it. We live in Australia, by the way.""

Which of these cars are cheap on insurance and also reliable?

1995 Audi A6, 1992 Nissan 240sx, 1995 Acura integra(2 door), 1992 Nissan 300zx, 1996 Bmw 318i, 2001 Lexus IS300, or 1992 Mustang? I'm looking at these kind of cars and was wondering which of these will have a cheap insurance and also a reliable car. Thanks for info.""

Insurance on a car that my mom owns and registers that I will be taking to college with me.?

I am taking my moms car to college with me(saab 9-5) I'm going to auburn and live in maryland, I drive this car every day insurance knows i am the only driver of this car, but i plan on taking the car with me to auburn AL, what will i have to do to do this. I also plan on changing my license to an alabama license when i get there, will this matter? will our rates go up, the car will be kept in the driveway there and only used for grocery shopping""

Can I sue my auto insurance company?

i Switch insurance companies back in Feb. of this year. The new insurance company never filed the paperwork with the DVM. As a result my car was impounded because it said that i wasn't insured. However every month auto insurance was being taken out of my account as an EFT. Now i need a rental, lose a day of work to go to traffic court, and i don't have a car for the weekend. I am being inconvenienced for no fault of my own.""

Does having points on your liscence affect your insurance?

i am currently 20 years old, and have fully comp insurance costing around a grand... i am turning 21 soon but in the next few days am expecting to have 6 points on my liscense,, any opinions of how much i would be looking for fully comp renewal, or even for downgrade to 3rd party? thanks""

Health Insurance and Auto Insurance.?

Just wondering how this works. Let's say this happens one day.... I cause an auto accident and I'm injured. My insurance will cover up to $5,000 for my medical bills. I have a heath insurance policy that has a 3,000 deductible and once that limit is reached, the health insurance company will cover everything else. (0% coinsurance on my behalf). Will the auto insurance be used towards my health insurance deductible if the above said scenario should happen?""

What is the average car insurance rate for a 17 year old female?

In the state of Michigan I just want to know what is the average car insurance rate for a 17 year old female. I am just getting my license in November,/December I won't be getting a vehicle until next April.""

Why does California suck so much?!?!?

UGH! I'm a teenager, who drives a 2001 Honda Accord, right? I've been driving for almost two years (this November) and I had my insurance set up that I pay it every 6 months and it would accumulate to $720.90. I've always paid my insurance a week or two ahead of time and my driving record is perfect thus far. But then, I get my insurance this time and now it's $777.90 dollars!!! It increased $57 out of nowhere. I called and it's because of North Carolina doing a business deal with California and California increased everything or something. I know that sounds sketchy. I have Progressive, by the way. And no, they don't offer any student discounts (I got straight A's when I was in high school and now I'm in college and I still get them) but they don't acknowledge that because California or whatever took the rights away to lend out such discounts. My question is: why does California suck so much? It isn't fair whatsoever... $1600 (almost) a year for insurance on a 2001 Honda Acoord is ridiculous. Is there any cheaper insurances out there besides Progressive?""

How do I get insurance without having a car?

I got a DUI a few years ago and have never needed to get my license back.now I'm about to have my first child and really need to get it back if I need to drive somewhere but I do not have a car. But I need insurance to get it back. Any help will be great. Thank you.

How much does Car insurance cost?

I am 17 and a half about to get a license. I want to know an estimate on how much car insurance will cost for me alone. The car I'ma use is an 1990 Acura Integra. I really don't want a it depends answer haha. Just want a best guess? What's the best type of car insurance and is recommended? And is there any discounts that can help me?

Would a 1972 Monte Carlo be expensive to insure?

Someone said it may be expensive to insure this kind of car. Could he be referring to just this one particular car or all muscle cars from the early 70's? keep in mind i am 18 years old if that makes any difference.

""Cheap insurance cars, help me choose.?

I'm looking for a 2002 car and I'm thinking of: Ford fiesta 1.1 Vauxhall corsa 1.2 Toyota yaris 1.0 Nissan Micra 1.0 I would welcome other options and choices And your opinion will count! I want to get a cheap insurance and I can afford up to 2.300

How much will my insurance go up for my traffic violations?

Over the summer I got a ticket for passed inspection date. Then in December I got 2 tickets simultaneously. One was a 16miles over the limit and the other for not having my driver's license in my car (but I do have one). How much will my car insurance go up?

What is a rather cheap but reliable car insurance company?

So I need to buy insurance for the 2002 Kia Optima. I used to have The General, but that is REALLY cheap insurance and I don't know that they would pay out. Now it is winter and if it snows there is more chance of an accident so I want to make sure the car is covered. What is a good insurance company? And NOT State Farm. Our family has had horrible luck with them. Also, please no ads or spam, I will report you. I want real peoples opinions. Thanks.""

Getting car insurance on the spot?

I am looking for my first car at the moment and I have a question about insurance. Let's say I go to look at a car that I've found on the internet and I decide to buy it right there...how do I go about getting insurance right away? I live in the UK btw

Do i need insurance to hire 16yr old to work on my farm?

My son wants to work on a horse farm, we have been asked to sign a release by his employer , saying he will not be held responsible if anything happens to him under his employment.. is this legal?""

Question about cars and insurance?

I know that the cheapest NEW car to ensure is the VW Up costing around 1500 a year. But is there any USED cars that can match this insurance cost but isn't any older than 5 years? NOTE: The VW Up is in insurance group 1

""Why do questions say cheap car insurance and affordable health insurance, not cheap health & affordable car?""

Questions about finding inexpensive car insurance usually refer to it as cheap . Questions about finding inexpensive health insurance usually refer to it as affordable . I do not recall ever seeing a question refer to affordable car insurance, and only rarely to cheap health insurance. Why is this? Why do car insurance questions use the word cheap and health insurance questions use the word affordable , and not the other way around? Is it just tradition, like saying Merry Christmas and Happy New Year , but never saying Happy Christmas and Merry New Year ? Is it because the law has the word affordable in its title, causing that word to be associated with health insurance? Is it because most of the questions are from someone who is trying to manipulate search results by causing searches for cheap car insurance and affordable health insurance to come to this website? Is it because car insurance questions usually come from users under 25 years old and questions about getting health insurance usually come from older users (health insurance questions from users under 25 usually have to do with saying on their parents' insurance and/or using their parents' insurance)?""

Are there any ways to make car insurance chaper when your 17?

In october im going to be 16 and neither me or my dad want to pay the massive charges for insuring a teenager that has just passed there test at 17. What i would like to know is if there is anything i could do when im 16 that would make the insurance cheaper, for example getting a scooter and riding that so i have one years no claims or getting driving lessons in a private area where it is legal. Or am i going to have to pay the massive insurance charges no matter what? Thanks for your help Daniel""

How much would car insurance would cost for a 16 year old?

Okay so i need to know how much would the insurence about be for a 16 year old driving a 2005 Mazda Rx-8 4 door coupe manual? Please help

Car Insurance Fine costs driving without insurance on one car but had 3rd party on another?

Being a bit stupid I didnt relise I had to inform my insurance company that I changed cars and was stopped by the police for no insurance even though they proved that I had insurance on my previous vehicle 3rd party whic

Getting insurance for a car?

my step daughters cousin is buying her a used car. tiffany does not have a license yet. she has her learners permit. we live in pennsylvania. her cousin does not want the insurance in her name she wants my step daughter to get it. can you get insurance without a license? she lives with her dad, can she get on his policy? would she automaticaly be on her cousins insurance since she will own the car? thank you""

Do you need medical on your auto insurance?

Yesterday I purchased a new auto insurance policy. I was convinced by the rep that I needed an optional medical provision for $5,000 dollars worth of coverage in case of an accident. She said that if I didn't get the medical coverage, I would have to inform my health insurance provider that they held the primary responsibility in case of an accident and that many health insurance plans will not accept this. My family has really good health insurance--do we really need medical coverage on our auto insurance, too?""

""The shutdown has cost 22 Billion in 11 days, how much health insurance would that buy?

in your opinion

Car insurance settlement?

I was in an auto accident as the passenger in the vehicle. The other person was at fault but they didn't have car insurance. (Another topic) Anyway, my friends insurance company said they are going to reimbursement for everything, including lost wages, bills, etc. I have been in PT for the pass 10 weeks and have to wear a cast on my wrist for the next 2 weeks. My lost wages, co payments and some medical bills have already gotten to 11k. I expect more bills that can get to close to 15k all together. How much should I expect to get with pain and suffering without dealing with a lawyer? Any ideas? I was diagnosed with a fractured wrist and sever muscular damage to my chest, neck and back so far. I really don't know the medical terms""

oregon vehicle insurance requirements

Auto insurance: Found Wawanesa cheaper than Mercury?

Anyone in California find that Wawanesa is much cheaper than Mercury. For our two infiniti family the rates for 1 year was WaWa-$1150 vs Mercury ($1,650) What gives here?? Why the big disparity?""

Will my insurance go up?

Well im 18 and as i was backing up and the car(rental car with insurance) behind me somehow bumped into me. Well we both bumped into each other because he also moved forward. The thing is that the rental car company is saying they might have to make me or my insurance pay for the damages. my car only had scratches and his had a dent on the left front fender(baseball size). The man with the rental car bought insurance which means it could cover the damages but the company is saying that i might have to pay. i believe my dad has allstate insurance for the car i was using. IF MY INSURANCE PAYS, WILL MY INSURANCE GO UP, BY HOW MUCH? i dont know how much the damages cost but i am thinking the fender will have to be replaced because it is dented. i still have not reported it to the insurance...""

Who is the cheapest auto insurance carrier in FL?

""What do you think is the best, most reliable, and inexpensive AUTO INSURANCE company?

In the state of FL.

How much would insurance on a Mercedes C230 cost?

2008

Heath Insurance like Car insurance?

I am sick of paying High prices for health insurance because of over-weight out of shape people who have all types of health problems! With that said, I believe health insurance should be more like Car insurance. If you are healthy and havnt been in Accidents then your insurance should be lower than people who are healthy, workout, eat right and dont smoke or do drugs. I no longer have health insurance because I cannot afford it. When I did have health insurance I never used it because I am healthy. Should people like me be paying less than others who dont care about their health?""

If you have AAA auto insurance?

Have you received a rebate? I am thinking of changing my auto and home insurance to them. They are not much cheaper than my current provider so I was reluctant to change, especially my home owners as I have heard it is not wise to switch home owners insurance in California. Anyway, the guy at AAA said they give back a rebate at the end of each year for 5%-7% of your policy cost if you do not have any tickets or accidents. I have searched to see if this is in fact true or if it is something they use to get you to sign up and then for some reason not qualify for it. Just wondering if anyone who has the insurance has got a rebate before or if anyone has heard of this? Thanks""

What are average prices for teen auto insurance in CA?

just averages not a sports car i have good grades too if that helps

Auto Insurance - Spouse coverage mandatory in Ontario?

I've been told from my insurance company that since my wife holds Ontario Driver's licence, she will have to be covered under my insurance and pay a higher premium eventhough she does not drive at all. I also saw on-line that you can sign an 'excluded driver form' (OPCF 28A) in which you declare that she will not drive my car and you can exclude her from your insurance and maintain your premium rate. The insurance company basically denied this and told me that as long as her and I live under the same roof, I will have to pay the higher premium. Can someone please advise?""

Electric Car insurance and teen drivers.....?

How much does insurance go up if you add a 17 year old with a learner's permit to your plan. I live in Florida and have Electric Car Insurance.

Do you need auto insurance when your car is under Planned NON Operation ?

I have a old car that i am not going to use for the next 4 months till my wife comes back (she's out of country now). My Question is if i file for a planned non operation of the car with DMV, can i take this car out of my insurance. Currently i just have the liability on this old car. Is insurance mandatory even if your car is not driven / in public roads?. Please help.""

I can't afford my car insurance...?

I need transportation so I can work. But why should I have to choose between car insurance or food and medicine? Shouldn't the Government come up with a single payer plan for automotive insurance too! Its not fair that I have to pay for this out of my own pocket.

Lamborghini gallardo?

what is the fuel economy and the insurance and the repair will cost a Lamborghini gallardo per month

Auto Insurance in Indiana?

I have had Progressive for many years and no claims.We do deserve cheaper rates because of our age and driving record and low mileage. I recieved a much lower quote from Indiana Farmers Mutal Insurance. I have a 2000 Tahoe that is like right off the show room floor and I understand most companies are allowed to relace parts from a junk yard or for much lower than would it would cost unless it is under 2 years old. Has anyone placed a claim with either of these companies and what was your satisfaction? Because of the condition of our Tahoe, which is perfect and just over 30 thousand miles and a limited edition, who has ideas on the best auto insurance out here in Indiana?""

17 UK Good insurance car... Please Help...?

Hello, I am 17 and live in the UK. I am learning to drive and hope to pass my test soon. I am looking to get a car when I pass my test. I do like larger cars like SUV's and pickups and compact crossovers but that is not to say that I do not like smaller cars. The problem is the fact that insurance cost a hell of a lot, ridiculous costs. There are many cars that I like but I would like a car that does not look to bad and that has good insurance for teens. I understand that SUV's/trucks will have higher MPG and higher insurance. So far my lowest and best insurance price is for a corsa from youngmarmalade (4.5k insurance but only pay 1.5k as I get cash back on car to put to insurance). Please can you help me with advise on cars pref suv/trucks that would be good for me and good on insurance. Thanks""

Im looking for cheap insurance on a land rover series 3 im 17 years old where is the cheapest company?

what is the cheapest insurance company or cheapest option???

Can i use a PO BOX for car insurance mailing address?

When i quoted my car insurance, i used my apartment address. After i bought the insurance, i asked them to change to PO BOX as my mailing address. Later on, when i moved to another apartment, i didn't update my current physical address with my insurance company because i am using my PO BOX as my mailing address so far. My question is if somehow i get a car accident, will the insurance company deny my claim because of not telling them the current physical address? Additional information the past and current of my apartment address are still in the same state, Texas.""

Do you need auto insurance in florida?

Which car insurance company allows you to make the cheapest one year payment?

I have esurance but they force you to make 2 payments a year,and the second payment AWAYS shows up at the worst time lol""

Auto Insurance Question.?

Just want to know if your supposed to know the exact dates of your tickets when you get insurance. Because I have 4 tickets and when I get quotes online they always tell me to enter the date. And I just enter a random date b/c I dont really know. And also they say by how much you were speeding. Which I also dont remember. Do you NEED this information? What If you don't enter it? Is it like against the law? And also if it is needed what do I do? I never had my own insurance so I have no clue. Thanks

Can you drive a car in texas to alabama without insurance and inspection sticker?

I had just bought a car two days ago and i don't have insurance for it at the moment and i don't yet have my inspection sticker. i bought it here where i live in austin texas. i had JUST bought the car two days ago so is it possible to drive it to alabama without those things? i have NOT driven the car yet only to bring it to my apartment. since then i haven't touched it. i have no money to get the insurance and stuff at the moment that's why i haven't even driven the car yet. is there a grace period for this? is there any way i could still drive it just for a couple hour ride?

How much is the average cost of auto insurance for a new driver?

heres some other info, im 20, i just got a learners permit. i live in new york state.""

My car got totalled and my car insurance expired. HELP!!!?

My brother totaled my car and i cant get it fixed because my car insurance expired. Can I wait to get my insurance renewed and get it fixed or just forget about it and get a new car under a new insurance policy?

How much do you pay for motorcycle insurance ?

how much do you pay for motorcycle insurance in canada ,for a 300 cc motor . like the kawasaki ninja 300 2013 .""

Do you have to show proof of insurance to register a car in utah? ?

I just bought a used 2004 car in utah. I got a temporary tag using my bill of sale and title. A paper they gave me said all I need is my safety and emissions to register fully. But my parents are insisting I need proof of insurance to register. I plan on getting insurance within the next week. I just want to get my plates on by tomorrow if I could. Please someone help.

oregon vehicle insurance requirements

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