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Are insurance companies making a substantial profit as a result of Obamacare?
I would like to know if insurance companies make corporate deals with certain pharmaceutical companies who offer them huge discounts for exclusive coverage; i.e.: formulary drugs. I am not sure of the meaning of the term non-formulated drugs that insurance companies deny their customers and why? For example, Humana refused to pay for my medically necessary asthma drugs. (President Obama mentioned asthma as a pre-existing condition several times in his State of Union address.) On an average, how much do asthma patients cost insurance companies per year?"


"What does no-fault"" auto insurance mean?"""
I live in California which, I think, is a no-fault state. What ramifications does that have if I'm in an accident? Does it matter, in any way, whether the accident is my fault or the other driver's fault? Thanks you."


What is the cheapest individual health insurance plan in PA?
age 62, good health"


"Why is my mom on my auto insurance policy, and why do I pay so much?"
So I have my own car and policy and live with my mom who also has her own. When I got my license and car, I took hers one morning because I couldn't find my keys. I got in an accident that day and my insurance went up 20$ a month. I noticed on my own policy she's listed on it, that big envelope that they mail to you. I also was looking for a quote online and I put in my information and my vehicle and hers came up. Why is this???? I am almost 21 with a 2011 Chevrolet Aveo and full coverage, I pay 350$ a month. It's insane and almost impossible. My friends pay 200 at the most and they have decent cars. Is my mom being on there making it more expensive?"


Does auto insurance follow driver or car? My mom was recently hit in my car and I was not there.?
Does auto insurance follow driver or car? My mom was recently hit in my car and I was not there.?


"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."


Has anyone got braces with hap insurance?
My job has great health care insurance and i get it in 30 days. I asked human resources and they said we do get dental coverage but didnt no about braces. So i was wondering if anybody has and gotten braces with this insurance.


Should vegetarians be required to pay as much for health and life insurance?
For all of you who say there is no proof then explain why one company is offering cheaper rates. One would not if they didn't believe it was worth it. A matter of capitalism. And I have never seen such ridiculous arguments before, wow I really stirred the hive with this one. Vegan and proud - sorry dude but you didn't answer the question."


Health insurance in GA?
Hi, I have recently moved to US and am a permanant resident. I am still not working but need a health insurance coverage for 6 months, untill I start working. At this stage I don't want to spend a lot on it. Could anyone suggest any insurance plans please?"


Cheapest Life Insurance ?
Cheapest Life Insurance ?


Can I get some advice about car insurance?
My and my wife are both insured on our car (Fully Comp.) and we are now about to get another car due to our work situation. Would the following method be the most cost-effective way for us both to be covered ? 1) For me to be fully insured for one car and my wife fully insured for the other, allowing us both to drive each other's car if necessary ? I am currently the registered keeper of our current car and I am the policy holder for it as well. I would be driving the new one when I get it and my wife would take over driving the current one. Thanks in advance"


Why does health insurance cost so much?
Just wondering why the cost of healthcare is so high and why it continues to rise year after year


Is it possible to apply for Medical Insurance?
Is it possible to apply for Medical Insurance at any time during the year? Company I work for is offering Blue Shielld Blue Cross I think is too expensive, 306 a monthly for Wife and Me. Looking for affordable insurance, I make 27,000 a year, thanks for your help..."


A new car loan with a 13% interest rate.?
I'm looking to buy a car soon and my credit score is about 617. I spoke to Capital One and they told me 13% APR. I don't know if its just me or does this not seem like a total screwjob. The loan term was 66 months and I make somewhere in the 50K - 70K range FYI. The question is, does anyone think I can get a much better rate with my credit or is this as good as it will get for me even if am a first time buyer?"


Cars cheap to insure for new drivers?
Hi, ive just passed my driving test and im looking for a little car to get me mainly to and from my boyfriends, to work and to uni. i only need a 1L, something small and nippy but also quite cheap to insure. i know it will still be quite high insurance with me being a new driver, im 21. any ideas? ive been looking at fiat puntos and clios etc, but im not very clued up about cars or what ones would be classed as 'new driver cars' thanks in advance for any answers :)"


west virginia life insurance license



"What is the best health care plan for student while attending medical school, like nursing?"
I'm a student nursing and ASAP need some health insurance, including Emergency Room coverage. Does anyone know any type of Health Insurance for medical student like that, affordable and reliable? Greatly appreciate and thanks to all


Questions about serial numbers and home insurance?
In an event of property loss or robbery and you have to report to the homeowner's insurance, should you give them the serial #'s of all items lost or stolen or should you give them the list of serial numbers the moment you start insurance?"


Least expensive car insurance for a teenager?
So I was taken off my parent's car insurance and I can't drive my car until I have my own insurance plan. I need my insurance for between now and September when i go to college because I won't be bringing my car on campus. I've gotten quoted from a local insurance and progressive and they were around $600-$800 for 6 months with no collision. I'm 17 so I understand it can be expensive for me. I have no accidents and I have good grades and I took driver's ed. Anyone have inexpensive car insurance for themselves?


What is the difference between group insurance and individual?(Canada)?
And why would someone choose group insurance over individual insurance???(Canada)


I hit a raccoon! Need answers to.insurance questions.?
I hit a raccoon! Need answers to.insurance questions.?


Rough estimate of my car insurance cost?
Live in los angeles


Looking for a very rough estimate on insurance costs for an 08' Lambo?
I'm a 21 year old woman. The car has just over 10k miles on it It's an 2008 Lamborghini Gallardo Spyder It's listed for $150,000 I'm in school with no income I have money (idk if this is required for an estimate, but w/o getting specific, i have money) The car would be a rental (yes strange i know, but bear w/ me here) I live in a metropolitan area. Never been in an accident (but again idk if this matters since it's going to be a rental) Umm... that's all i can think of that would be required. If i'm missing anything let me know. And again i know you can't get very specific, but if you could give me a general range that insurance would be per year that would be wonderful. Thanks!"


Where can I find Auto Insurance with High points on My License?
4 points were put on my license because a drunk driver hit me while I was making a left turn and had to slow down not to hit the car that made a quick stop in front of me 3 points was because after my nephews funeral I pulled into my parking space and for some reason hit the gas instead of the break causing me to hit a tree in front of me 3 points were due to me insuring my daughters car under my name and she let an unlicensed driver drive her car in a snow storm he slid and rear ended a car no damage was done to either car but never the less


I got charged with dui however not convicted. when getting insurance do i need to state a dui on there or not?
I got charged with dui however not convicted. when getting insurance do i need to state a dui on there or not?


"Trying to save on car insurance, who should I go with?"
Currently I pay $122.00 for car insurance with State Farm. This is going to go up I am sure since I moved back to a larger city and when I lived here before I was paying a lot more. That is two cars, a 2008 Dodge 4 Door and a 2002 Focus all full coverage 100,000/300,000 Limits with a $500 deductibles you get the idea. Oh and I also have renters for about 10 bucks a month.... okay so I just was quoted by Gieco with lower deductibles, from the more expensive city"" and I was quoted at about $68 (without the renters) Thoughts on the matter"


Im 20 years old. Just wondering when i should buy life insurance?
Im 20 years old. Just wondering when i should buy life insurance. ? I have a bf live at home with my parents. I have a car loan out for 18,000. Have a full time job. Just wondering if its better to purchase when your younger. My bf and I have been together for 6 years."


How much would teen car insurance be monthly?
I just got a job and I'm looking to buy a car around December... The car will be worth 1200-1500... I'm 16 years old and haven't had any accidents. Around how much would my car insurance be a month?:) thank you!


Will car insurance cover a moped accident?
I was rear ended by a moped. The rider forgot to hit the brakes and nailed the back of my car. She broke my tail light and there's scrapes on my bumper and quarter panel. The rider didn't have insurance on her moped but has liability car insurance for her car. Her insurance company is refusing to pay for my damages, stating her moped is not insured, therefore they're not covering any damages. What should I do? I got a quote for $380 to fix my car."


Cancel my car insurance?
My car is sitting at a farm on blocks. but l am still paying insurance on it. It's only liability. The car doesn't run. Should l just let it get canceled by not making a payment? don't know when it will be on the road again. perplexed


What is the difference between a high and low deductible?
Hello everyone! I really need your help! Im a 19 years old female student. I work part time and i earn at least $800 a month. Im currently looking for health insurance but im really frustrated because i dont know the difference between a high and low deductible. What if the deductilbe is $5000?? I just need a health insurance that covers doctors visits, like the dermatoligist and exams like mammography."


west virginia life insurance license



Buying a car without my license? (Ohio)?
Buying a car without my license? (Ohio)?


I recently had burglary at my home. How to get the maximum out of insurance?
Have AAA home insurance . National vendors are coming up with the replacements for all the items. Have lost almost all that i had in my home but the insurance plan says either a replacement of the item or the depreciated price. What should i take ? Please share your experiences.


Can someone please help me find the best insurance for me?
I need something that covers dental, vision and as much Health as possible. (Routine check ups, lab work, specialist, etc) Something with an affordable deductible and Affordable Copay..I'm not very familiar in this area but I'm 99% sure that I have progressed type 2 Diabetes as well as other various health problems and desperately need to visit the doctor. Thank you."


Do you need to call your auto insurance if you were ..injured in a car driven by someone else?
Do you need to call your auto insurance if you were injured in a car driven by someone else?


Does dental insurance cover braces?
okay so I'm 13 and I really want braces. My mom says I don't need them but I think I do. My mom has dental insurance but still says they are waaay too expensive. So I was wondering how much do braces cost? And how much dental insurance covers for the cost.


What is an auto insurance quote?
What is an auto insurance quote?


I got into a car accident and i have no insurance?
I rear ended this woman at only 20 miles an hour, she had absolutely nothing on her, not even a scratch . I have no insurance so she didn't call the police. Then she called this weekend she said her mechanic said it would cost over $500 because her air bags needed to be replaces due to this accident. Is she just trying to play me and did I have anything to do with those air bags? I decided she was lying to me, and decided not to pay. She then calls and says she's calling the police and reporting it as a hit and run, and calling a lawyer."


How do i get car insurance?
In order to get car insurance, they need to know what kind of car I have, but in order to get a car from a dealership, I need to have insurance. There seems to be a loop trap here."


Is Farmers Insurance Group really cancelling all home coverage in North Carolina?
I received a letter in the mail saying that they were pulling out ot NC because of hurricane exposure


Can you help me find scooter insurance?
Hello I have a 125cc scooter,i live in the u.k,does someone know where I can get cheap scooter insurance and link me to the site you got it from thanks josh"


Teen Car Accident! Please help I'm really worried!!?
Please I just need some information because I'm freaking out I feel like I'm about to go crazy because I'm so worried and my parents arnt helping at all. Here's the story, the day after I got my license I was in my school parking lot and I was talking to some friends in the car. There was a car behind me that was getting kids into the car so I was backing up to go forward to a empty parking spot in front of my on the right side, while I was backing up the person on the other parking spot was backing up too, I didn't notice until I felt my car lift. Now the damages to my car were just that the lens of my right rear light just cracked not even that big of a crack just a couple pieces of plastic came off, the other car had a dent on his rear right door it was about 1-2 deep of a dent. Now since I was never in an accident before I panicked and I got out of the car and the man said Oh look at that I'm sorry I have to get your info please"" and I grabbed my info (insurance & car registration) but I was stupid and I didn't get his information!!! After he wrote a couple things down he told me ""Look I'm not going to being insurance on you because they are pretty hard on kids now a days but just give me your phone number so I can call you in a couple days because this isn't even my car it's my dads and it's a lease"" & I was surprised because this guy looked like he was 35-40 & I was like ""wait so you jut want my number for what?"" He said ""yeah ill call you in a couple of days so you can talk to your parents and I can talk to them too to see if we can work something out"" so I gave him my number and he just drove away. But my parents are telling me that we are skrewed because I didn't get his info or any pictures. What can happen to me??? No rude comments please I'm freaking out I couldn't sleep last night!"""


For young Male drivers who is the best car insurance company to go with?
I want cheap I am 19 I have a smal 1.1 car and i have 1 years no claims Never crashed No Convictions


Why is auto insurance through Geico so cheap?
Why is auto insurance through Geico so cheap?


Tips on how to get first time drivers car insurance down?
Hey, so I have my driving test on June 3rd but i am looking to buy a car before then in these next few weeks. Ive been getting some quotes on some possible cars but the cheapest quote i am getting is 4,500, which is absolutly ridiculous! I thought 2,000 was pushing it and i dont intend to pay more than 2,000 a year. The cars ive been looking at are Peugot 206s, Vauxhall Corsa SXI, and Renault Clio's. Which i believe are in the cheapest insurance band. I just dont understand why im getting quotes of 4000/5000. Most of my firends with similar cars pay 1,500 a year which seems right. I must be doing something wrong. Can anyone give me tips on how to get the price down. Should i add my mum as an additional driver? Do modified cars (alloys and tinted windows) dramatically increase the insurance price? Any reccomended insurance companies? Thanks guys!"


What do I do if a car insurance company overpays on a claim?
My parked car was hit last week. The gentleman who hit it gave me his information, and his insurance company assessed the damage and wrote me a check to pay for its repair. When I took the car to the Toyota shop it will be repaired at, the worker analyzed the car and the report filed by the insurance agent. He said that one of the repairs was not completely necessary. If I choose not to get everything on the insurance report fixed, what do I do with the extra money? Can I keep it, or do I have to return it to the insurance company? Can I get into trouble if I do not return it in a timely fashion?"


west virginia life insurance license