• If I cancel my car insurance policy, do I have to pay the upcoming bill?

    So, long story short GainsCo sucks and I'm moving from Florida to Texas. I've already got a new policy from Allstate. I went in to cancel my policy with GainsCo and they are telling me that I have to pay my upcoming bill (though it *should* be pro-rated) even though I am cancelling my policy. I've... show more
    So, long story short GainsCo sucks and I'm moving from Florida to Texas. I've already got a new policy from Allstate. I went in to cancel my policy with GainsCo and they are telling me that I have to pay my upcoming bill (though it *should* be pro-rated) even though I am cancelling my policy. I've already received the bill but that bill does not pay for existing coverage, that bill pays for coverage of the next period and I do not want to be insured by GainsCo any longer. If I choose to not pay GainsCo for this upcoming period (for which they told me will be pro-rated back to me) will I receive any sort of penalties or anything like that?
    14 answers · 2 days ago
  • What personal property documentation do I need for insurance claim purposes?

    I'm starting to document the personal property we own in case we need to file a insurance claim for a total loss. I don't have any idea what type of documentation my insurance company would require. I've googled around and haven't come up with a good answer. What should I be recording to document... show more
    I'm starting to document the personal property we own in case we need to file a insurance claim for a total loss. I don't have any idea what type of documentation my insurance company would require. I've googled around and haven't come up with a good answer. What should I be recording to document the everyday items we own, furniture, family heirlooms, etc.? Thank you.
    7 answers · 1 day ago
  • If I enroll, might pet insurance cover this?

    My dog currently has an infection underneath her jaw area and we have already been through one surgery, tests and medications to treat it. We paid out of pocket with no insurance to pay for all of this but it seems that the infection has returned and there is a possibility that she will need to have surgery again... show more
    My dog currently has an infection underneath her jaw area and we have already been through one surgery, tests and medications to treat it. We paid out of pocket with no insurance to pay for all of this but it seems that the infection has returned and there is a possibility that she will need to have surgery again but with a specialty surgeon. I understand that this probably is considered a pre-existing condition since her first surgery (mass removal surgery) and infection was only a couple of months ago and the doctor thinks that the infection has come back after several courtesy check ups with my dog. We ordered an in-house culture test to find out if the infection has come back or not and waiting for the results to come back. If she does need surgery again, she might undergo the same first surgery but more in-depth and aggressive mass removal surgery to remove any tissue that has been infected. Right now, I know that specialty care will be much more expensive than what we had already paid for the first time around, is there a possibility that if we enroll in pet insurance, that if my dog needs specialty surgery, it will be covered for any percentage? It is a curable illness and not an injury/accident or life-threatening disease of sorts. I've researched a bit and see the pet insurance has a certain waiting period, until the pet is covered. So I'm hoping that maybe pet insurance might consider covering it.
    6 answers · 11 hours ago
  • Beneficiary?

    How to find out who is husbands beneficiary in insurance and 401k. I remember husband making me sign on a few documents. I asked them what the documents are he just just sign don’t waste my time. I could t read as he had only the left the signature box open. I stressed I want to read the documents he said hey I... show more
    How to find out who is husbands beneficiary in insurance and 401k. I remember husband making me sign on a few documents. I asked them what the documents are he just just sign don’t waste my time. I could t read as he had only the left the signature box open. I stressed I want to read the documents he said hey I have to post them now no time for nonsense he shouted so hard and angrily like always that I got streesed and signed. Now I am thinking those were waiver forms. How to find out who is the beneficiary? Please don’t ask me to ask him he doesn’t tell me anything that’s obvious.
    10 answers · 1 week ago
  • Would a fire insurance co. tell a property owner they'll no longer provide insurance if he doesn't cut trees down?

    We were told by the owner of the house he has been told by his fire ins. co. to cut two trees down because they're too close to the house. Why would they tell him that, and how could that hurt anything? We are finding this difficult to believe & don't want the trees cut down.
    We were told by the owner of the house he has been told by his fire ins. co. to cut two trees down because they're too close to the house. Why would they tell him that, and how could that hurt anything? We are finding this difficult to believe & don't want the trees cut down.
    12 answers · 6 days ago
  • What does this mean, how should I interpret?

    After a lay off my company was affected by, ( I was one of the ones laid off but we still had a couple months to work) one of my previous supervisors tried to talk to me several times but I was too upset to say very much. At some point in time weeks later I tried to come speak to him in his office and he basically... show more
    After a lay off my company was affected by, ( I was one of the ones laid off but we still had a couple months to work) one of my previous supervisors tried to talk to me several times but I was too upset to say very much. At some point in time weeks later I tried to come speak to him in his office and he basically blew up at me and was really rude..isn't it understandable that employees laid off would not be too friendly with management? It's not like he was my current boss...but I am trying to see the positive. Does this mean he cared about me, or that I could have hurt his feelings? He basically ignored me the rest of the time afterwards.
    11 answers · 1 week ago
  • Do medicare prescription plans only allow generic meds?

    Best answer: No, Medicare Part D plans and Medicare Advantage plans that include drug coverage cover hundreds of brand name medications on their formulary, which is their list of covered drugs. All plans do have what is called "Step Therapy". This means that if there is a generic medication that does the same as the... show more
    Best answer: No, Medicare Part D plans and Medicare Advantage plans that include drug coverage cover hundreds of brand name medications on their formulary, which is their list of covered drugs.

    All plans do have what is called "Step Therapy". This means that if there is a generic medication that does the same as the brand name medication you must try the generic first (not all brand name drugs are subject to step therapy, and not all insurance companies place step therapy on the same drugs). If the generic, for whatever reason, doesn't work in your situation the doctor will need to fill out a form and send it to the insurance company stating that it doesn't work, at which time the insurance company will then allow you to take the brand name drug (if it's on the formulary). If that brand name drug is not on the formulary the doctor must ask the insurance company for an exception and if there is no other option the insurance company will cover that drug as a tier 4 drug.

    By regulations there are at least 2 medications in each therapeutic class.

    Your agent (if they work with all of the plans in your area) can tell you if your particular drug is covered on any of the plans in your area and if there are any special requirements such as step therapy or prior authorization needed for that drug. They can tell you the cost of that drug during the deductible, during the initial coverage period, during the donut hole, and during the catastrophic coverage period at the pharmacy of your choice. You do not need to get that prescription first. Checking drugs is the first thing I do with any new client, especially if there is a situation like yours.
    5 answers · 7 days ago
  • Do you think employers should be providing health insurance?

    Best answer: One of the arguments (for) the ACA was that most people got their insurance from their jobs, thus by allowing everyone access and do away with pre-existing conditions, then many could buy on the open market. I had no clue since I had employer based insurance for over 30 years and my late husband was self employed,... show more
    Best answer: One of the arguments (for) the ACA was that most people got their insurance from their jobs, thus by allowing everyone access and do away with pre-existing conditions, then many could buy on the open market. I had no clue since I had employer based insurance for over 30 years and my late husband was self employed, thus on my insurance. Then got laid off, became a independent contractor, thus had to go into the open market, only to find, that my husband who had PD, that in my state (no) insurance company would insure him since he had an pre-existing condition. Our options were the high risk state pool ($100,000 lifetime limits) or short term policies (exclude pre existing conditions, but covers everything else) till he reached age 65 and on Medicare.

    Now I remember years ago, and am guessing with most employer health insurance is that they covered mental health and pregnancy, the 2 things that many people complain about with the (essential coverage with the ACA) especially if male or would never need any mental health coverage. But with most employers insurance, it was subsidized at least 50%, lower deductibles, thus (unless) you had to buy a private policy, had no clue the (true) cost of your health insurance.

    As to one poster who stated they wished employers would give you the options on your benefits, there (were) some out there. Back in 1988, worked for American States that was sold to Safeco. They paid everything for the employee only and you only had to pay for a spouse/children. They would list (each) option of health insurance, dental, disability and life insurance etc, and then would show how (much) the employer paid for (each). I remember they paid $6,000 (1988) for my health insurance and I thought wow that much. But say for instance you had a spouse who had health insurance, thus stayed on theirs, thus the employer would (reimburse) the amount the company paid to you (26 week paychecks, taxable) if you chose to not elect those. They were the only company that did it and not sure if they still do or not, since I left them in 1996.

    The reasoning of the mandate (tax) was to force everyone to buy insurance, since we live in a society, that especially if young, think we don’t need it, or (when) a woman gets pregnant, or that I will need surgery, thus who can I buy insurance for my pregnancy, surgery and pay a few months premium for insurance to pay thousands, then drop it and buy it (only) when I will need it.

    But, because they had to eliminate pre-existing conditions, and add all the essential benefits, plus did away with lifetime limits that in some cases was a max of 1 million, which sounds like a lot, till you have a 16 year old kid who gets cancer, only to need another ½ million to continue treatment.

    Now the fine was suppose to get so many young/healthy into the pool, but since low/small and even if they could get a subsidy to pay for the insurance, many of them did not, thus the expectations did not happen.

    So far the talk is that they will still cover pre-existing conditions, but with the tax penalty gone, then even more will choose not to buy, thus will have more sick vs healthy and the cost will most likely be higher again.

    Either way, the biggest problem we have is the (cost of healthcare) which is about 3 times higher than any other country. Our premiums are based on how much insurance companies pay for claims, thus until we can lower (healthcare and drug costs), then it will continue to spiral out of control.
    5 answers · 1 week ago
  • Can flex spending be used for my son who doesn't have health insurance?

    My son is 26 and doesn't have health insurance. I want him to get a dentist appointment.
    My son is 26 and doesn't have health insurance. I want him to get a dentist appointment.
    9 answers · 1 week ago
  • How do I find effective low-cost health care in the Dallas area?

    I have numerous health problems including severe back problems and severe digestive problems. I am a veteran. The VA has been unable to help and has sent me several massive bills, proving that they lied about offering free health care. But my veteran status disqualifies me from other low-cost health care options.... show more
    I have numerous health problems including severe back problems and severe digestive problems. I am a veteran. The VA has been unable to help and has sent me several massive bills, proving that they lied about offering free health care. But my veteran status disqualifies me from other low-cost health care options. I have no health insurance, just a bit of money left, and no one to help me. I am 33, unemployed, white, straight, male, non-combat veteran, and living in Dallas suburbs. So I am not in any conventional "sympathy demographic" that would warrant charity. After endless medical tests, no doctor has been able to prove any of my health problems, so I also do not qualify for any sort of disability from any employer or the government. My own parents are wealthy but are religious faith-healer believers so they refuse to help me with medical problems. Where can I find an effective affordable medical professional in the Dallas area that can help me? Thank you very much for any help.
    6 answers · 1 week ago
  • House Insurance Question?

    Best answer: Write to the insurance company, heading your letter COMPLAINT, saying that the damage is the kind that any reasonable person might have expected to be a risk covered by an insurance policy and that their behaviour is unreasonable and unacceptable. That should trigger their complaints procedure. Check whether... show more
    Best answer: Write to the insurance company, heading your letter COMPLAINT, saying that the damage is the kind that any reasonable person might have expected to be a risk covered by an insurance policy and that their behaviour is unreasonable and unacceptable. That should trigger their complaints procedure.

    Check whether there is a regulator or Ombudsman applicable to insurance in your country or state. If there is, complain to them.
    6 answers · 2 weeks ago
  • Mother passed away unexpectedly. Father is not allowed to receive life insurance due to their recent divorce...?

    Life insurance company claims that because of the divorce they will have to pay the funds to the contingent beneficiary. Here where it gets weird to me. Mother chose her sister as a contingent, father chose his sister as a contingent in the event they both passed. Due to the divorce they cannot pay my father but... show more
    Life insurance company claims that because of the divorce they will have to pay the funds to the contingent beneficiary. Here where it gets weird to me. Mother chose her sister as a contingent, father chose his sister as a contingent in the event they both passed. Due to the divorce they cannot pay my father but they want to split the funds between my mothers contingent and my fathers contingent. Why should my fathers contingent receive anything considering he did not pass.
    13 answers · 2 weeks ago
  • Is it possible to get back the money(premiums) you've already paid if you cancel an insurance early?

    Best answer: IF you bought whole life insurance, and cancel it, you may have built up cash value in the policy, which you can take out when you cancel. That's the purpose of whole life - to build up value. Any other insurance, there is no refund of premiums paid, except for any prepaid amount which would have covered you... show more
    Best answer: IF you bought whole life insurance, and cancel it, you may have built up cash value in the policy, which you can take out when you cancel. That's the purpose of whole life - to build up value.

    Any other insurance, there is no refund of premiums paid, except for any prepaid amount which would have covered you until the next premium due. E.g. If you paid homeowner's insurance in one annual premium, then sold the property & cancelled insurance 4 months later, you would get a refund of the advance payment (about 8 months' worth in this example). The insurance covered you, whether you made any claim against it or not, so no refunds. You got the protection you paid for over the period you paid premiums for.
    12 answers · 2 weeks ago
  • Will my Health Insurance Company be Automatically Notified When I get married?

    My fiance and I will be getting married soon, for now I am planning to stay on my parents health insurance plan (I am under 26) and my fiance has his own insurance through his employer. I am just wondering if I need to call and let them know I got married, but that I will be staying on the plan as usual, will they... show more
    My fiance and I will be getting married soon, for now I am planning to stay on my parents health insurance plan (I am under 26) and my fiance has his own insurance through his employer. I am just wondering if I need to call and let them know I got married, but that I will be staying on the plan as usual, will they be notified automatically? Or does it just not even matter and since I am not leaving the insurance or adding anyone I don't need to say anything at all? Thanks!
    16 answers · 2 weeks ago