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andrewdburton · 6 years ago

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Welcome to fifty: My first health scare as a middle-aged man

Three weeks ago today, I had a major health scare.

Because it was Monday, I was at the family box factory. I had just finished running payroll and had taken paychecks out to the shop. I exited the building and *bam* my chest just sort of seized up.

“Ouch,” I thought. But, being a Roth, my thought process didn't go much farther than that. (We Roths don't like doctors and we tend to deal with injuries for weeks or months or years before having them looked at.)

On the way back to the office, I stopped to talk to my cousin Duane. He was digging in the dirt, prepping a spot for his summer garden. We chatted about blueberries, tomatoes, and greenhouses. We admired the warm spring day. After a few minutes, I realized that my chest still hurt.

“I don't want to alarm you,” I said, “but I'm having chest pains. It's probably nothing. But just in case it is something, I thought you should know.”

I walked back to the office and sat down at my computer. Instead of going back to work, however, I googled heart attacks. I read the list of symptoms. I wasn't experiencing anything except chest pain but still…Every site said the same thing: Don't mess around. If you're having chest pain, have somebody drive you to a doctor.

Duane came in. “Are you feeling okay?” he asked.

“I'm still having chest pains,” I said.

“Do you want me to drive you to the doctor?” he asked.

I debated things in my mind. “It's probably nothing,” I thought. “Or maybe it's a panic attack like twenty years ago.” In 1998, I experienced two similar episodes that turned out to be panic attacks. I was under a lot of stress then. I'm not under a lot of stress now.

“Plus, if I go to the doctor, it could end up costing a fortune. My health insurance sucks,” I thought. “But if it is a heart attack and I don't go in, I could end up dead.”

“Well?” Duane said.

“Tell you what,” I said. “I know I'm not supposed to but I'm going to drive myself to urgent care. If you don't hear from me in fifteen minutes, come find me.” (There's only one logical route from the box factory to the nearest clinic.)

I gathered my stuff, hopped in my pickup, and drove slowly to the clinic.

Hurry Up and Wait

At urgent care, they expedited my case. Within minutes, I'd been hooked up to an EKG machine. While he worked, the doctor asked me lots of questions about my past and current health.

“Everything looks normal to me,” he said. “Your blood pressure is high, but the EKG is good. So is everything else. Are you still having the pains?”

“Yes,” I said. “And they're now in my back too.”

The doctor frowned. “I don't think you're having a heart attack,” he said, “but we should make sure. I want you to drive yourself to the nearest emergency room.” He gave me a printout that explained my situation and wished me luck.

Twenty minutes later, I was in the ER for the first time in my life. (I've been there for other people but never for myself.) A nurse ran another EKG. “Everything looks fine,” he said, “but we're going to do some more tests.”

First, they drew blood. Then they ran chest x-rays. Then they ran another EKG. Then they ran a CT scan. “Oops,” the doctor said when he saw the results of the CT scan. “They didn't scan the right spot. That's my fault. I goofed up. I pressed the wrong button. I guess we'll do an ultrasound to check out your abdomen instead.” So, I got an ultrasound. Then more blood tests and another EKG.

Can you guess what I thought when the doctor admitted he'd run the wrong test? That's right: “I'd better not be charged for this!” In any other business, if the service provider makes an error, the customer isn't charged for it. Is that the same with hospitals? We're going to find out.

After five hours of tests and waiting, they let me go.

“I'm not sure what's wrong,” the doctor told me. “Your blood pressure is high, but you're the healthiest person I've seen all day. Follow up with a heart specialist. Go enjoy the sun!”

Paying for Pain

Since that heart-attack scare three weeks ago, life has been a whirlwind. We've been planting trees and bushes and flowers and seeds. We celebrated my birthday. Kim had knee surgery. Plus, there's all the rest of Real Life to take care of.

I tried to follow up with the recommended heart specialist but he's out of my network. “You should find somebody on your own insurance,” his office staff told me. I haven't done that yet.

Last Friday, two other things happened.

First, I had to go back to urgent care. (When was the last time I sought medical help twice in three weeks? Has it ever happened?) I have miserable allergies this time of year, but my throat seemed even more raw than normal.

Turns out, I have a simple canker sore…on the back of my throat. The doctor prescribed a numbing agent. “Your blood pressure is pretty high,” he said before I left. “You might want to have that checked out.” He suggested that I buy a blood-pressure monitor while I was picking up my prescription. So I did. (Nothing says “I just turned fifty” like browsing blood-pressure monitors at the pharmacy.)

When I got home with the meds and the monitor, there was an Explanation of Benefits waiting in the mailbox. I opened it to learn the initial cost estimate for my ER visit. (For non-Americans, the Explanation of Benefits is a statement we receive after health care but before we receive actual bills. My understanding is that it's an estimate of what is being billed to whom. But it's not always 100% accurate.)

According to the Explanation of Benefits, I'm on the hook for $6858.49. That's enough to give a person a heart attack! (Haha.) I'm under the impression that my insurance plan covers all emergency room visits, so this number could change. Right now, though, I assume I owe nearly $6900 for my four hours in the ER.

A Change of Heart

Over the weekend, I tested my blood pressure several times. It's high. I haven't figured out my new blood-pressure monitor well enough to state definitively that I have hypertension, but it seems as if I'm pre-hypertensive at a minimum. In any case, it's clear that I need to make some changes.

Over the next few months, I want to:

Scrutinize the hospital bill. I want to know what I'm being billed for and why. (I'd better not be charged for the mistaken procedure in the ER!) As much as I hate phones and confrontation, I might have to use both. Good thing I just read this article on how to fight expensive medical bills. I'm curious to see what I'm actually billed for compared to the estimates on the Explanation of Benefits.

Look into health savings accounts. This is one of my financial blindspots. I've never read about HSAs, so I don't know the pros and cons. I don't know anything about them. From what little I do know, it sounds like an HSA might be a way for me to cushion unforeseen medical expenses.

Get serious about my physical (and mental) fitness. For the past few years, I've been coasting. I've been overweight and out of shape during most of my adult life. In 2010, I lost fifty pounds and gained muscle. I was the fittest I'd ever been. I maintained that for a few years, but have gradually softened. I've made occasional half-hearted efforts to change. It's time to give 100% effort again.

Find a primary care physician. I had a primary doctor I liked but when Kim and I left to explore the U.S. by RV in 2015, my doctor moved. I haven't had a regular doctor now for four years. This is enough of a passive barrier to keep me from seeking medical help. Dumb but true. I need to find a new doctor.

Find a therapist. Like last year, I'm struggling with depression this spring. It sucks. It's not as bad as it was in 2018, but it's still enough to sap me of motivation. I need to get some help.

Be proactive with my heart health. My family doesn't have a history of heart disease. We have a history of cancer. I've been worried about cancer all this time, but what if I should have been caring more for my heart? Fortunately, managing high blood pressure doesn't seem too onerous.

There's on other thing I'm going to do — especially if my final bills do amount to $6900 and I can't get them lowered.

My health insurance carries a $7900 annual deductible and $7900 annual maximum out-of-pocket expense. If I end up owing $6858.49, then there's only $1050 left until I reach the maximum I can possibly pay this year. That gives me a strong incentive to get as many medical procedures done this year as possible.

Final Thoughts

I'm glad that I didn't have a heart attack. I'm disappointed with myself for allowing my fitness to erode, but I'm trying not to beat myself up to bad. I can get back in shape. And I can lower my blood pressure. It'll take time and effort, but it's doable.

In 2012, I was worried about my lack of energy. I asked my doctor to run some tests. “You have nothing to worry about,” he said when the numbers came back. “You're one of the healthiest 43-year-old men I've ever seen. I'm serious.”

No doctor would say that about me now at age fifty. But if I apply myself, maybe in a few years my doctor will tell me, “You're one of the healthiest 53-year-old men I've ever seen.”

The post Welcome to fifty: My first health scare as a middle-aged man appeared first on Get Rich Slowly.

from Finance https://www.getrichslowly.org/heart-attack-scare/ via http://www.rssmix.com/

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spookyenemyperson-blog · 6 years ago

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"Tampa Florida Cheap car insurance quotes zip 33616

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My dad got a speeding ticket tonight. I am under my parents car insurance, but I still pay myself and they bill me directly, but because there are three cars under the policy it cost less for me and that is why I choose to be on their policy. I own my car. But will my premium go up now because of his speeding ticket?""

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Okay so my fiance and I aren't married yet. I am on my moms insurance until I am 19 and they wont cover the baby. He has his own insurance through WI called Hirsps. I can't change my license yet because my moms insurance will drop me and we dont want that to happen because it will be hard to get insurance to cover hospital bills. How do we get the baby insurance? Can we put the baby on his insurance?

California: Smogging an older car?

I have a 1983 Datsun 280zx, and I just got a letter in the mail saying I have to smog this vehicle. I thought there was an age bracket for classic cars that didnt need to be smogged ...show more""

About how much does motorcycle insurance cost?

and is it more than car?...about...

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Okay, I'm almost going to be looking for car soon, and I'm wondering, since I'll only be a 16 year old boy, insurance will be really damn high for me, and I was curious, say you have two cars of the same model, trim, style, transmission, driving record, miles, engine wear, etc. One car is something made in the late eighties or early nineties while the other car is late nineties or early 2000s. What I basically want to know, is, which car would have a cheaper insurance premium? (approximately. I know you cant give me an exact number.)""

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Are there any auto insurance companies which offer rates to their younger customers at anywhere between $100-$250 a month? I've been looking around and every insurance company I check with wants to charge me $500-$900 a month, which is ridiculously out of my budget. It would end up costing more in a year than I plan on spending on my car in total and more a month than my family is paying off on our few year old Kia Soul. I'm aware that having a newer car like a Soul raises my insurance prices, but I don't want to buy another, hopefully crappier, car until I'm sure that I can pay insurance to drive it. Does anyone have any ideas or suggestions?""

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https://www.linkedin.com/pulse/bronson-michigan-cheap-car-insurance-quotes-zip-49028-john-burch/"

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Orange Grove Texas Cheap car insurance quotes zip 78372

"Orange Grove Texas Cheap car insurance quotes zip 78372

Orange Grove Texas Cheap car insurance quotes zip 78372

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What is the difference between home insurance and buildings and contents insurance?

hi. I will soon be moving into my first house with my girlfriend and its all new to me. We have been told we need a few insurances. Is there a difference between home insurance and building and contents insurance? or are they both the same thing? will they cover leaks, fire, structural damage, theft, boiler etc The house is in Newcastle UK. I would appreciate any help thank you

Who pays $200.00 for car insurance?

I just got a Nationwide quote for car insurance and it was over $200.00 for the monthly payments. Im just now getting my own car/car insurance(in my name), Im a female in my mid-twenties, had my first two speeding tickets last year. Plan on getting a 2007 Pontiac G6, and I will be driving it to work and school. is $200.00 a normal monthly amount to be paid for me?""

How much is insurance on a 2008-11 Honda Accord Coupe Ex-l V6 for a teen?

I want this car for graduation and I want to know how much would insurance be? I live in a small town

Why is it that the Republicans Party Sucks up so much to the Insurance Companies?

???

Insurance for car and motorbike on one policy?

does anyone know of any insurance companys that will do a joint policy for car and motorbike. i have 2yrs ncb on my motorbike and have recently passed my car test so would like a company to take into account my riding experience when insuring me on a car. carole nash will only do this if you have had your car license for as long as you motorbike ncb.

What kind of car for cheapest insurance?

I'm 23

Life insurance and payout?

I want to get life insurance in the amount of 250000 for my daughter. If I pass away I am concerned how the money will be spent. How can I make sure the money goes to a college education and perhaps buying a home for her. I have no family so I cant ask anybody to take care of this if I pass away. Thanks. I live in California.

Low cost insurance on my car?

I'm 18, about to start paying for my insurance. I have a 1998, Honda accord EX, 6V 2D. I've had my license since 2010 and a clean record. My parents have us on nationwide but it's really expensive. What's a cheaper insurance company I could go to when I graduated?""

Canceling car insurance?

i got some car insurance for a car i was purchasing today as i did not want to drive it home over 100 miles with out none , i only took it out yesterday but when i went to pick up the car it had obtained some problems that it did not have before so i have not brought it. i was told when i got the insurance that i would have 14 days to cancel it but when i rung them up today to cancel it they have said i can not and i will have to pay all of the premium in full, i explained to them why i was needing to cancel it and was told it is not their fault and i still have to pay all outstanding monies , is this right . this is with swinton if it matters.""

Orange Grove Texas Cheap car insurance quotes zip 78372

Who decided that health insurance would be offered by employers?

My car insurance, life insurance, and house insurance is not offered through my employer. Why is my health insurance?""

Cheaper car insurance in CA (san diego)???

my husband just bought an 03 toyota tacoma 4 cyl extra cab and is also lifted. he is 20 and due to financing the truck we had to purchase full coverage. we are both covered and currently have geico and pay $535 every 6months. is there anything cheaper???

What is the average insurance price on a Mercedes Benz CLS class?

I am 16 and I want to know if the car is expensive for insurance. I'm a guy too. And I don't need the I shouldn't have that car crap. I just want answers please I don't need your opinions I can afford the car.

""Served my country, but can't get life insurance?""

I have served in the US Army for 17 years, I have deployed 5 times in support of many operations to include twice to Iraq and preparing for a 3rd. I took a physical last year for life insurance when I retire and it was found that I have a high level of protein in my urine. I have been denied time after time because of this preexisting condition. Who can I go through so I can get some affordable life insurance. It is sad how this country takes care of it's veterans. I have done everything that was asked of me as a Soldier, now that my time is almost up, my country turns it's back on me. What a shame.""

Hey everyone quick question about my auto insurance.?

So I've been with TD insurance for 2 years now, I used to pay 208 last year and it went down 165, and this year it went 145, but I'm moving I called them when I told them my new postal code it went up 192.which is fine ,but my question is am I entitle to the discount I received from last year and this year on my new montly rate ? I got them because I had no vialation, or tickets nothing. Shouldn't I still be entitle on my new rate?""

I Need Health Insurance?

I am currently 19years of age and a full time college student. I am not working but I need to find affordable health coverage. My insurance ran out as soon as i turned 19 and what i paid before was about 10 dollars a month because i was a orphan or something like that of the state. what should i do? even if i get a job now i cannot afford to pay 200 dollars and upwards a month.

""Im planning to buy a new car.What's the average cost to maintain it,including insurance,per year?Please reply.?""

Im planning to buy a new car.What's the average cost to maintain it,including insurance,per year?Please reply.?""

Does having a medical marijuana card affect auto insurance?

can auto insurance companies raise your rates if you have a medical marijuana card

Insurance expensive car?

well i was comparing insurance prices on gocompare on a 1989 205 1.0 and when i priced it at 2500 the insurance was 4k but when i put the real price at 650 the insurance went up to 6k. shouldnt it be cheaper if car is worth lesss?

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Car insurance???

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I have allstate insurance right now and im paying way too much anybody know a good cheap insurance company?

I have allstate insurance right now and im paying way too much anybody know a good cheap insurance company

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if so, how much is it per month? how old are you? what kind of deductable do you have? feel free to answer also if you do not have insurance?""

Car insurance question?

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Would you accept a job working as an Insurance Call Center Agent?

The job entails helping senior citizens all over the country obtain affordable insurance solutions that cover their final expenses and medical bills. The work hours are Monday ...show more

Weird health insurance situation?

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Car insurance bill???????

Sooo, my moms car insurance is due on the 15th & we have $30 to last until the 22nd, when she gets paid. The bill is $130 & idk what to do bc in Ga you can't drive without insurance. how can I make $130 over a weekend?""

Cheap Insurance For Teens.?

I am 17, and I live in KY. Know a cheap company?""

Short-term car insurance in the US?

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Medical Cancer insurance?

my brother had cancer in the past. can he be covered by anyone now?? If he can what medical insurance?

How can i sell truck insurance?

appointed agent to sell truck insurance

Insurance on a 125cc ?

thinking i#of buyin a 125 after my birthday bored of a 50cc how much would 3rd party cost ?

If i buy a new cbr 600 wat will my insurance cost? ?

im 19 and live in tx hoe much will i pay a yr? if its new or used wiill it make a differece>?

Orange Grove Texas Cheap car insurance quotes zip 78372

https://www.linkedin.com/pulse/how-much-money-do-health-insurance-companies-make-william-clements/"

0 notes

victorparker1-blog · 7 years ago

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How I Use a Taxable Investment Account for My Emergency Fund

It sounds crazy: I keep the bulk of the money I’d use in an emergency fund in a taxable investment account.

But maybe it’s not as crazy as it sounds. When you’re using a so-called high-yield savings account, you have a large chunk of capital sitting there, doing practically nothing. If you have the risk tolerance for it, my tiered approach to emergency savings might just help you grow your wealth while preparing your finances for setbacks.

Tier 1: Bank Account

I don’t put everything in a taxable investment account. Instead, I use a bank account for three to four weeks’ worth of expenses. You can choose the account you want.

I’ve been using a high-yield savings account, but I’m thinking of switching to the Radius Hybrid checking account.

Using a checking account would make the money more accessible in an immediate emergency. I like keeping close to a month’s worth of expenses in a bank account because I can get the money immediately if I need it in a true emergency. It gives me enough to live on while I liquidate the assets in my investing account.

Switching from a savings account, with its limitations and restrictions, to a checking account might make the process easier. However, it’s important to practice discipline. Just because you can access the money easier with a debit card, it doesn’t mean you should. Remember, this is for emergencies.

Now, it’s clear that three to four weeks’ worth of expenses isn’t a sufficient emergency fund, so here’s where we get to the good stuff — the taxable investment account.

Tier 2: Taxable Investment Account

The second tier is where I build my emergency savings through consistent contribution. Each month, a set amount of money goes into my taxable investment account for this purpose. The account doesn’t have a target goal amount. Instead, because I’ve already got automatic contributions going to my retirement, HSA, and travel fund accounts, I just use the account as a way to build emergency savings — and a little more wealth.

I’m actually 100% invested in an S&P 500 index fund for my emergency savings. For some people, this might be too much risk to stomach. I know investors who prefer different asset allocations, using funds to split their emergency savings into 50/50 stocks/bonds, or doing something like a 70/30 split. However you decide to do it, it has to be something you’re comfortable with.

Over time, I’ve been able to build up the account to the point where it can handle almost any emergency, including a few months’ worth of covering my expenses. And it’s growing regularly, thanks to the fact that I don’t have it all sitting in an account with a comparably low yield.

How Do I Access My Emergency Money?

Accessing the money is fairly simple. I’ve only needed it twice in the last decade or so. The first time was when my basement flooded in 2010. We ended up with a bill to set things to rights. However, because the bill didn’t need to be paid immediately, I was able to sell some shares in my taxable investment account. Once the trade settled, I moved the money to my primary checking account and used it to pay the bill.

The second time I accessed my emergency savings was just a few months ago. After having my debit card number stolen in a data breach, my bank account was emptied. I used my short-term (tier 1) account to pay expenses while the issue was being sorted out. Then, I sold a small amount of my shares to replenish my account and bring it back up to a month’s worth of expenses.

It’s important to plan ahead when using this strategy. It takes seven to 10 days for me to complete a transaction with my online brokerage and have the money shifted into my bank account. With index fund settlement, and ACH transfer, you need a little lead time. That’s why I like having the short-term account. I can tap it while I liquidate the stocks.

Switching to a checking account would make things easier. I had to move a lump sum from my short-term emergency savings account into an alternate checking account in order to conveniently use it. Using an interest-bearing checking account could change the equation. I’d be able to just use the debit card with no issues during an emergency.

What if Your Portfolio Loses Value?

The biggest concern I see when I explain my approach to emergency savings has to do with stock losses. And it’s true. In 2010, I sold at a loss to cover my emergency costs. However, even so, I still had capital in the emergency fund — and that’s the point of the emergency fund. If you are fortunate enough to have lead time before your first emergency, you’ll probably not deplete it all in one go.

On top of that, because I sold at a loss, I was able to claim a tax deduction. Not only did I have the funds I needed, but my emergency ended up being tax-deductible. That’s not a terrible thing. And, because I automatically contribute to the account each month, I was able to rebuild the fund quickly, especially as the stock market bull run began.

In the end, how you manage your emergency fund is up to you. I’ve had good results from my tiered approach, and I like that I build my net worth while protecting myself in the case of emergency.

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from victorparker https://www.modestmoney.com/how-i-use-a-taxable-investment-account-for-my-emergency-fund/41150/

0 notes

beardedwinnerobject-blog · 7 years ago

Text

Medical Insurance That Starts Right Away?

"Medical Insurance That Starts Right Away?

Do you guys know of any health insurance that is affordable and starts ASAP w/out having to wait 30-90 days? Does it also cover Breast Reconstruction surgery?

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

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What is the cheapest car insurance for a young new driver?

Has anyone heard of Unitrin Direct Car Insurance. Yay or Nay?

I need to purchase car insurance right away. Their rates are pretty low. Any feedback would be appreciated.

How much was your high risk car insurance?

i was charged with a DUI about a month ago... my first one. I was parked at a gas station. I'm a 20 year old male.. how much do you think my car insurance will be? I've also got about 5 speeding tickets in the past if that goes against me.

I got a speeding ticket. How much will my insurance go up?

What up Doodey's & Doodettes! Anyways, I got a speeding ticket doing 80mph on a 65mph speed zone. This is my first speeding ticket violation. Roughly, I'm wondering how much will my insurance go up too? I'm currently paying like 60 bucks a month. I'm living in Los Angeles, California by the way. Please let me know! :) Thanks!""

How can I find out previous years car insurance providers?

How can I find out who has provided my car insurance for the previous 5 years. I tend to change them regularly, is there anywhere which keeps a record?""

Medical Insurance That Starts Right Away?

Do you guys know of any health insurance that is affordable and starts ASAP w/out having to wait 30-90 days? Does it also cover Breast Reconstruction surgery?

How much would my car insurance be?(State farm Insurance)?

I'm a teen driver, and ill be 16 years old when i get my license. i'm a 3.0 + gpa or higher student and have had no issues with the law.i drive a 1997 mazda protege with a clean title (idk if that helps) I live in Portland,Oregon Car is 1997""

Cheap car insurance in Oklahoma?

Where can I get a good deal on car insurance in Oklahoma?

Need help finding affordable health insurance for a 1 year old baby boy in Nebraksa or Iowa?

Please help

How much is insurance for a 99-01 mercury cougar?

I want one! I have a 97 toyota camry right now..Can someone compare and contrast the insurance and the difference in maintaining it? I turn 17 in 3 months but the car would be under my parents name.

Good Car Insurance?

My dad is insured by Allstate and pays around 580, and now i have a license and want to get insured as well, but it would cost us around 1150. Does anyone know of a better car insurance for the both of use to go under for cheaper then 1150? We live in Maryland. thank you""

What kind of insurance will cover rhinoplasty pertaining to broken nose?

My nose broke and now I have what the doctor told is called Saddle Nose. He said there is no rush, but I have some difficulty breathing and it is somewhat deformed. I have University of California health insurance, will this help? How should I get this procedure done for the most inexpensive cost? Any insurance experts?""

Do I need insurance to drive. Or is it fine if the car has insurance?

Can I add my new car to my brothers insurance?

The car Im driving right now is registered to my brother also the insurance is under his name, (but its mine technically). So if I buy a new car, can I put or add this car at the same insurance policy? This new car would be registered under my name. I think if its possible, this would same me some money from the insurance.""

""What is the definition of a total loss car by the insurance company?, Is it possible to get my car back?""

Florida-A couple of months ago I was involved in an car accident that my insurance said they would not fix, due to certain circumstances. The insurance company told me the car was a total loss. The buy here Pay here who financed the vehicle told me to bring in the police report info and that was it. you have to get a new car is simply what I was told, I asked about payments and he told me to call him in a few days- few days turn into weeks and he is never available to discuss with me payments. Almost 2 months and there is still noone willing to talk to me?, looking through some car ads yesterday I saw the car listed at a different location owned by the same Buy Here Pay Here it was all like new, Fixed and being sold? If my car was fixable couldnt I have just paid out of pocket to fix it? what is the definition of a total loss from the insurance's view? Is it possible to get my car back? BTW I have no issues with paying the finance company- I just cant get anyoone to talk to me. Please try and answer all of the questions here, so I dont have to repost separately Thanks in advance for the advice.""

Car insurance question?

how much will it cost for a 21 year old single female per month? i just recently got my drivers liscense and i have never had a car or insurance..i have no credit and have never had a ...show more

""If I move out, do I have to get my own health insurance?""

I want to move out as soon as I get a better paying job, but I also need to consider the different costs. Currently my mom has me as a dependent on her health insurance. If I moved out, would I have to get my own health insurance? I'm 19, if that matters.""

Difference between a deductible and co-insurance?

I am shopping for individual health insurance and I do not understand the difference between these terms. Also, if a plan has a $1000 deductible does that apply to the entire 12 month term of the plan or every single time I receive health care services? And what about co-insurance?""

Is buying a RED vehicle going to make my insurance go up?

I want to buy a red cobalt, but my husband thinks it will because of the color compared to a white one""

HEALTH INSURANCE FOR INFERITILITY?

I live in Georgia and I am trying to find some private insurance that would cover fertility testing and not treatment such as ivf OR IUI . Me and my fiance have been trying to have a baby for 3 years and i have tried everything, i finally have saved up enough money to be able to pay for private insurance can someone please tell me some health insurance company that may cover fertility testing.""

How much would it cost a year to own a car like a Ferrari in INDIA? pleeeeeeeeeeeeeeeeeeeeeeeeeeee... answer?

a car like a porsche 911 or ferrari f430. how much would it cost a year to own. dont include the buying cost. include everything else. like insurance, tax, fuel cost, everything, etc.""

What is the best medical insurance in New York City?

Insurance on Rx-8 for a 29yr old male?

I'm almost 29 and I'm thinking of buying a Mazda Rx-8, the 230bhp version. I've got 2 yrs no claims and was wondering if anyone of similar age has one and if they could give me an idea of what the insurance would cost in Ireland??""

Car insurance prices?

Approximatley how much is car insurance on a small engine car (1.1) for a 26year old female I know it will depend on area and no claims and named drivers, mileage etc, but just looking for a rough figure as I haven't got a clue""

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 .""

How can i get cheaper car insurance at 17?

Are insurance premiums considered as capital for insurance premiums?

specifically for pension plans, are the premiums received here considered as capital by insurance companies? assuming they are the ones issuing these pension policies""

Where can I get Really Cheap Auto insurance?

I am a student, on a really tight budget. I have to get insurance, have not so good credit and a couple of speeding tickets. Other than that have a clean record. I just need something cheap, very cheap. I am a safe driver and only use my car to drive to school. thanks fr your help""

How can my elderly parents from NZ get car insurance for 6mnth UK visit?

My parents will be 74 & 75 when they come over in April 09. They want to buy a car and travel around for 6 months. Any suggestions for how to get them insurance appreciated

Auto insurance rates in USA?

What are some cheap Auto Insurance Quotes for Oregon?

I am looking for a cheap and reliable auto insurance company for just liability insurance. I have had one accident back in 2009, totaling my dads toyota 4-Runner and wrecking into an Audi A4. As well, I have 2 tickets on my record, both happened in 2008, the first one I got was running a stop sign and the second one (which happened literally the next day.. by the same cop) I got an illegal lane change or turning into a turning lane to early I cant remember which one it would fall under. Some of the quotes I got have been like 350 $$ which is way out of my price range. Anybody have any good ideas? I'd appreciate it.""

Medical Insurance That Starts Right Away?

Do you guys know of any health insurance that is affordable and starts ASAP w/out having to wait 30-90 days? Does it also cover Breast Reconstruction surgery?

""What are the best ways for a new, young driver to get cheap(ish) car insurance?""

I have been looking online on countless insurance websites and comparison sites and the lowest quote I get to insure a 689cc Smart ForTwo is around 2000. That is almost as much as the car!! The cheapest quote I have so far is from DirectLine (1800). I mean, seriously, all I want this car for is to travel back and forth from college because the public transport is so unreliable. I know it's going to be high because there are so many male chavs who drive around hitting everything and making claims all the time, but, its a Smart car! Not exactly a chav-mobile! What to do? I'm going to take the PassPlus, btw.""

Best car insurance company to use?

I am 22 and just traded my 2003 VW beetle for a 2010 honda civic LX (which is being financed). I use 21st Century and they're going to raise my rate by a couple hundred dollars per year. I pay every 6 months. I feel like this is too much. Even though I'm not yet 25, it seems a little excessive. Are there any suggested insurance companies with a more competitive rate? BTW I'm in California if that makes a difference...""

How do I pay my life insurance premiums on line for Globe Life and Accident Insurance Co.?

I don't have the website written down to Globe Insurance correctly and don't know how to get to the correct one so I can pay my bill. All I need is the website that allows me to pay my premium on line

Need advice concerning a comprehensive insurance plan...?

I will be getting married in December. Both my fiance' and I are still on our parents' plans (as we are below the age of 24 and have not been forced off yet). This includes car and health insurance. I am lost when it comes to how much I should pay, what kind of coverage I should aim for, etc. We will both need car and health insurance as of 12/20/09. We are looking for an all-around DECENT plan that will fit in a limited budget. Any advice/tips on what we should be doing or looking for would help a lot! Thanks!""

Anybody have any reviews for GO AUTO INSURANCE? THANKS?

I am looking at purchasing full coverage on a new car and was wondering if anybody had any experiences with GO AUTO INSURANCE. This is a Louisiana Based Auto Insurance group and they currently have the lowest rates for the vehicle I want to insure. Thanks in advance!!

Help with insurance terms?

Hi, i am having trouble working out what my insurance guy is telling me... what is a premium, and how often is it payed, and what is excess, and how often is it payed? what should i be asking and checking for? Thanks""

""Cheapest car insurance, help!? (UK)?""

im 17, 18 soon. (female) i haven't passed my test yet but im looking for car insurance for when i do... but everything im finding is like 2 grand plus and i cant afford that! all im looking for is a small 2001 corsa... i dont mind whether its fully comp or not, i just want it to be cheaper than that! does anyone have any tips? ive been on go compare and all the comparison ones but its still like 2500.. even with my parents insured aswell! any advice?""

What is the best source to compare the insurance costs for all model of cars and trucks?

I am looking for a list that has the average insurance rates for different model of cars. I need makes and models listed all together in a single source, and don't have the time to compare just 3 or four models at a time, nor go on line and check out one at a time. I need something in a spreadhsheet, or that I can cut and paste into a spreadsheet.""

Need advice about getting a motorcycle and a permit at 15 1/5 in CA?

Well im gonna try and get my motorcycle permit at 15 and half. ive already researched and know that i can in california....i just have some questions.also, i have been riding dirtbikes all my life and sometimes ride on the street illegally and i feel safer and like i can handle them better than cars. is insurance going to go up insanely? is a harley sportster an alright bike for me to get at first?( i WILL be taking a motorcylce safety course also) and is there a specific engine size limit if i do have my permit?""

""How to get the cheapest car insurance, when just passed test ?""

How to get the cheapest car insurance, when just passed test ?""

Car insurance question?

I have been driving my boyfriend car to get to work and school and what not. His car is insured, but my name is not on the insurance. What would happen if i got pulled over and the cop saw my name was not on the insurance?""

Been priced out of insurance AGAIN!!?

Ok thought i would be getting a car, but kept on getting 6,000-8,000 quotes which is ridiculous. So then i thought o well lets leave the car alone for a few years. Found a fantastic bike that i tested for 1,500 LEXMOTO XTR S 125. Drum role please INSURANCE 2,000!!! people told me i was suppose to be getting 500 odd for insurance for a 125cc bike. i live in london :|. age:17""

Good Car Insurance Companies? For a young driver...?

I was wondering if anyone knew any cheap car insurance companies for a 17year old female? I've had a full licence since February of this year and was with Quinn-Insurance. I paid just over 2200 for a years insurance which runs out the end of next month. I know this is a good deal for a young driver but obviously I'd love cheaper lol. Any company names would be greatly appreciated for me to look into further.

Extra costs covered by car insurance ?

I had to pay 150 to get my car brought home when a car hit me from behind ? Can i reclaim this money through my insurance company ?

My car was totalled when I got rear-ended. How do I get the best price for it from the insurance company?

The accident was the other guy's fault (in California). The insurance company chose to total it and pay me, rather than have it fixed. But the price they are quoting me is very low, lower than Kelley Blue Book and lower than asking prices in local classifieds. They say they use their own program, but I can't replace what I had with the amount they are offering. What rights do I have and is there anything I can do to get that offer up?""

Best car insurance for college student with spotless driving record?

Hi, I am buying a NEW 2011 Kia Soul next month, and I am looking for a good, cheap car insurance company. I am currently under Erie Insurance with my dad, but am looking to break away from him. Let me know your favorite insurance!""

Car insurance help!? please...?

Somebody hit my car and possibly totaled it. If it is totaled would their insurance just pay off my car, just give me a check for what its worth or both??""

Is Safe Auto cheap car insurance?

Especially for a driver who is 18.

""Did not want to renew the car insurance, they did it anyway.?""

Our car insurance was expiring on the 28th of may. We had all the premium paid by the end of march. At the end of april we got rid of the car. Couple of days later we received renewal documents from the insurance company. We have been with those company for 2 years, we didn' t make any claims. For the past 2 years we were paying 102 pounds a month. The renewal documents were saying that we only got the 1 year NCB and that our monthly instalment is going to be 140 pounds a month. I rang them on the 6th of may and said that first of all we have 2years of NCB and we want the documents from them proving that , second of all I have asked how come the instalment went from 100 pounds to 140 pounds a month the nice guy explained that there was a mistake (in their system 1 year of NBC was showing) and now it has been sorted and we are going to receive the proof of 2 years NBC and the monthly instalment is going to be 100 pounds. I thanked the guy and said that we do not wish to extend the insurance and I am only waiting for the 2years of NBC. He said ok and I thought it was sorted. We went on holiday abroad on 21st of May and got back on the 7th of June and imagine my surprise when in the post I have found the letter from insurance company with the certificate of insurance enclosed and them thanking me for deciding to stay with them and saying that my monthly instalment is 130 pounds!!! (because apparently i decided not to the the brakedown cover that i had before!!!!) I decided to call them first thing in the morning, but befor I did it i checked my account and of course they have already debited it with 130 pounds. I called them and the woman there explained that they were never informed of not extending the policy and that of course they have it registered that i phoned on the 6th of may with questions but they called me and left a message on my voicemail and apparently i never rang them back. She explained that all I have to do is to send the certificate of motor insurance back and then i will get the money. So i did. Once they got it they rang me saying that now they want the proof of selling/scrapping the car, WHY???I do not think it is any of their business. Especially that as far as I am concerned I am not cancelling the policy , I never wanted it. It is all their fault they did not listen. Can I do something about it, I have also got the funny feeling they are not going to give me full refund that they are gonna come up with something.""

Whats the cheapest way to haul my truck around.?

jsut got a mud truck with no titlte or insurance obviously so i need to tow the truck to the woods. whats gunna be the cheapest way?

""I sold my motorcycle, should I keep the insurance?""

If you have continuous auto insurance, I have read you can get better rates when you get a new car. I would get about 100 dollars back for auto insurance if I cancel. Is it worth it? Does having continuous motorcycle insurance affect car insurance that I get later? Thanks""

Where can i find cheap car insurance for young drivers?

Teen Car Insurance in California?

My friends is asking about, How much is the insurance for a modified car for teens. ok let say I brought a modified car from the owner and I wan to insure it how much would be my insurance? I want to know in California I don't care about other states thanks!!!!""

How do I find affordable health insurance that covers sterilization?

My job doesn't provide benefits, but I'm tired of waiting to get Essure or a tubal ligation. Where can I find information about reputable insurance companies (that I can afford) that cover sterilization procedures?""

Why did the Affordable Care Act make my insurance unaffordable?

I have a private health plan and a preexisting condition that requires taking daily medication, an annual checkup, and a test every 5 years. Other than that I'm young and in great health. My understanding of the law was that it would increase premiums on people without conditions to pay for people like me that have a preexisting condition. So why did the insurance company send me something saying if I keep my current plan I'll pay 25% more and that the 2 alternatives are more expensive with lower benefits, plus it said I could lose all kinds of other benefits. I'm going to call the insurance company tomorrow, but before I can call can someone explain the basics so I know something before the call?""

Medical Insurance That Starts Right Away?

Do you guys know of any health insurance that is affordable and starts ASAP w/out having to wait 30-90 days? Does it also cover Breast Reconstruction surgery?

https://www.linkedin.com/pulse/how-much-does-cost-28-year-old-man-car-insurance-sigrun-sharpe"

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