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ellymackay · 4 years

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How I Built a Multi-Location Dental Sleep Medicine Business

How I Built a Multi-Location Dental Sleep Medicine Business was originally published on Elly Mackay

A dentist and founding partner at Sleep Better Austin shares 6 lessons learned while growing his practice.

By Brandon Hedgecock, DDS, DABDSM

Practicing dental sleep medicine can be one of the most rewarding things you do in dentistry. When you consider the multiple health and psychological consequences associated with poor sleep and untreated sleep apnea, the impact you can have on the lives of others is far reaching.

Making oral appliances to treat sleep apnea may be the easiest procedure in dentistry, honestly. If a dentist or dental assistant can take a good physical or digital impression and bite registration, then the skillset is accessible. However, many dentists fail to truly make dental sleep medicine a big part of what they do because of the many obstacles that arise when building the business. So the real question isn’t about how to make appliances. The real question is: What level of impact do you want to make as a dental sleep medicine provider?

Most dentists who I talk to about dental sleep say something like, “I want to incorporate this into my dental practice.” I liken this to adding Invisalign to your practice but doing only two to three cases a month. If dentists go this route, they will never do more than dabble. Patients will be screened, here and there a few will be helped, and the dentists may even occasionally get a referral.

So this is where your answer to the question becomes important. For dentists who want to have a significant impact, they cannot just dabble in dental sleep. They must build a sleep business—one that is fully dedicated to treating sleep apnea. Once you have built a great business, expansion into multiple locations can help you further grow your reach. Here’s how I did it.

At Sleep Better Austin, Brandon Hedgecock, DDS, DABDSM, focuses on helping patients with obstructive sleep apnea sleep better with oral appliance therapy.

1. Build your brand. This could mean having a DBA [Doing Business As] or it could mean creating an entirely new company such as an LLC [Limited Liability Company] with a different employer identification number (EIN), separate bank accounts, a different website, and, maybe most importantly, a different team.

When I first started, we were a DBA, but we soon realized how much more effective it would be to create an entirely different company. You have to build a brand that is all about sleep and get your brand out there. After all, when someone sneezes, you offer them a Kleenex (instead of a “tissue”); when you clean the window, do you reach for the Windex or the “glass cleaner”? In other words, you want your brand to be synonymous with “CPAP alternative” or even better with “obstructive sleep apnea.”

Having a strong dental sleep medicine brand is especially important with physicians. In the physician’s eyes you can be: a) the general dentist from ABC Dental Office who does fillings, crowns, veneers, and also makes sleep appliances; OR b) the dental sleep specialist who has a business that is 100% dedicated to helping people with sleep apnea breathe and sleep better.

My belief is that option B will garner you many more referrals. Be all in.

2. You have to work ON the business—not just in it. As clinicians, our primary focus tends to be on the care that we deliver directly to patients. We focus on the instruments and the equipment that help us take care of patients. We spend so much time “in the chair” that we shortchange working on operations, systems, marketing, and growing the practice. We frequently outsource these administrative things or delegate them to managers or other team members in our dental practices.

If you are going to build a sleep business from the ground up, the dentist must personally devote time outside of patient care to growing the business. This may include learning more about sleep, attending meetings, and earning continuing education credits. It could be setting up software and systems. Early on, it may include paperwork and applications for Medicare and other payor networks. And it absolutely should include time for getting out there and interacting with the public and with physicians. Meetings, breakfasts, lunch and learns, happy hours, health fairs, dinners, phone calls, letters, and the like are all a big part of developing a network for referring physicians.

At a minimum you need 6 hours a week to work ON the sleep business.

3. Build your dream sleep team. News flash: You can’t do everything yourself! Especially if you are still doing other types of dentistry and especially if you own and operate the practice. News flash #2: Your dental staff is busy. They are already overwhelmed by helping run your existing dental practice. You cannot expect your dental staff to be able to run the dental practice and run the sleep business on top of it.

The time and effort required to process a single sleep patient is astronomical compared to a dental patient, especially if you are working with medical insurance. Early on, you need at least one administrative person. As you grow, you can add clinical team members; from there, you can add additional sleep-only team members as volumes and size dictate.

Our team currently consists of an operations manager, referral coordinator, medical biller, marketing director, physician liaison, three dental sleep assistants, and three dental sleep medicine practitioners.

4. Develop good systems. Much like dentistry (and any other business for that matter), success and efficiency will come down to the systems you have in place. In dental sleep medicine, good systems are even more important. Take it from me: Dealing with medical insurance requires about 27 different steps, done in the right order, and with the right documentation—to ensure that you get paid for the work you do.

You also need systems for follow up, clinical, marketing, scheduling, etc. These systems are broken into procedural systems—that is, step one, step two, step three, etc—and monthly, weekly, and daily checklists. It is important the systems be clear and can be followed by everyone, so the business doesn’t have to rely on a single person to function.

Take the time to build quality systems, and ensure they are being followed.

5. Expansion: know when and where. Go to where the people and the doctors are. Ninety percent of our patients come from physician referrals.

If you are the only game in town, doctors will refer and patients will travel even two hours for your service. However, if there are other providers, doctors really don’t want to send someone across town. Geography can play a role, and you need to know where your referrals are coming from. Pay attention also to “natural barriers” like highways, busy intersections, bodies of water, as well as to high-density medical areas around doctors’ offices when choosing a location.

Also, before you decide to expand, make sure the volume you have supports it. It doesn’t make sense to add a second location—and the overhead that comes with it—if you are only seeing 5 to 10 patients a month in your first location. Before you consider adding other locations, make sure you can maximize each in terms of space, schedule, and production.

Our first three locations were inside dental offices with our sleep business essentially renting space from the dental practice. If you are still practicing dentistry, this often makes the most sense and maximizes your overall production from both your businesses. Our fourth location is a standalone sleep-only facility, which may work better once you are no longer practicing general dentistry, or if you are hiring associates to work for you out of this type of location.

As you expand, it absolutely makes sense to centralize your administrative services. Scheduling, billing, insurance verification, and other non-patient facing services can be done from anywhere, and possibly even remotely from a home office.

6. There is no substitute for hard work. Much like everything else in life, the more you put into it, the more you will get out of it. In the beginning, it is hard to sacrifice time from your dental practice to build something new. For one thing, the sleep business will likely not produce revenue or profit for at least 6 to 8 months.

What’s more, you are used to dentistry…comfortable with dentistry, and change is difficult. The easier thing is to not change, and continue doing what you have always done, the way you have always done it. Dentists have told me they couldn’t make a meeting with a sleep physician because they had an emergency dental patient show up or because a patient needed a crown. Essentially, they are saying that the one crown was more important to them than the potential of helping hundreds of patients who could be referred by one sleep physician.

Brandon Hedgecock DDS, DABDSM

There is a big difference between the sleep business and the dental practice, however. With the sleep business, once you build it, it doesn’t always need you there—which means it can be producing without you! Put in the hard work and time up front, and then you won’t have to work as hard later.

The larger you grow, the more impact you can have, and the more people you can help, and the more lives you can save. It is an incredibly rewarding career and business. But…the larger you grow, the more headaches appear as well, along with the more employees and patients to manage. With one location and minimal staff, you can easily get to a point where you are treating 20 to 25 patients per month. From there, you simply add more infrastructure to your systems—and the sky’s the limit. Perfect one location and all the systems for it before you expand to two locations. Perfect two locations before you go on to three. Once you see the impact you can have in people’s lives, you may never look at dentistry the same way again.

Brandon Hedgecock, DDS, DABDSM, received his dental degree from UTHSC San Antonio after graduating from the University of Texas. He is a member of the American Academy of Dental Sleep Medicine and a Diplomate of American Board of Dental Sleep Medicine. He has also achieved Diplomate Status with the American Sleep and Breathing Academy.

As founder of Sleep Better Austin, Hedgecock has watched his team work and grow to ensure the success of their sleep practice. He has had family members diagnosed with sleep apnea, inspiring him to become a dental sleep medicine practitioner. Not only does he genuinely want to help his patients, but he is passionate about helping other dentists nationwide to learn and implement sleep dentistry in their own practice. He actively mentors other dentists through his partnership with the International Academy of Sleep, a nationwide organization that partners with dentists who want to learn how to build a successful sleep practice.

Hedgecock loves living in Austin and enjoys the live music and concerts in the area. He has two children at home—one boy and one girl. Both keep him busy playing Legos, Harry Potter, Barbies, and letting them have their pick of movies. At the University of Texas, Hedgecock was a 4-year member of Longhorn Football team. Today he keeps active playing golf and snowboarding when he gets the chance.

from Sleep Review https://www.sleepreviewmag.com/practice-management/marketing/expanding-your-practice/built-multi-location-dental-sleep-medicine-business/

from Elly Mackay - Feed https://www.ellymackay.com/2020/05/29/how-i-built-a-multi-location-dental-sleep-medicine-business/

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beardedwinnerobject-blog · 6 years

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http://www.campaignforliberty.com/blog.php?view=27950 As Obama said in the January 31st primary debate: Senator Clinton. . . believes that we have to force people who don't have health insurance to buy it. Otherwise, there will be a lot of people who don't get it. I don't see those folks. And I think that it is important for us to recognize that if, in fact, you are going to mandate the purchase of insurance and it's not affordable, then there's going to have to be some enforcement mechanism that the government uses. And they may charge people who already don't have health care fines, or have to take it out of their paychecks. And that, I don't think, is helping those without health insurance. That is a genuine difference.""

Car Insurance?

What is the name of the car insurance I could get, that covers any one who drives my car but who is not on the policy? Thanks""

Average Motorcycle insurance?

thinking about getting one. best route take as far as insurance, bikers course, type of bike. its my first bike.""

Insurance companies will have 32 million new customers because of Obamacare. How is this socialism?

The Affordable Care Act was modeled after a Republican health care plan by the Heritage Foundation and was first implemented by a Republican governor. All this bill does is makes sure that insurance companies have 32 million new customers. I could understand if you called Single Payer socialism (which I highly support), but calling Obamacare socialist is pretty stupid.""

Where can I get some cheap health/maternity insurance?

My husband and I have been talking about wanting to have a baby. He missed his enrollment period (again) at work and isn't eligible until September 2008. I looked into individual, but it is SO expensive.""

How much do you pay for car insurance?

I'd like to know the insurance price for a 1.8 litre car, about 5 years old, driver being older than 26 years old, and no claims bonus not included, in different countries. In Ireland I get a quote about 1,200 Thanking you all in advance !!""

Cheap Insurance (San Antonio)?

can you tell me any cheap auto insurance for a 95 model here in my area. san antonio tx

How much is car insurance per month?

Can you please tell me where can I find how much is car insurance per month on all insurers? Basically I want to find the cheapest car insurance companies.

Are there any Insurance companies in the Philippines that have Mortgage Protection Insurance?

Any companies that have this certain type of insurance directed to people paying off a house or a property?

How much would insurance cost...?

For a 16 year old girl with a 1994 4x4 Jeep Wrangler:4 cylinder, 12 suspension lift, 15 black steel wheels, 36 Irok tires almost new , 455 gears, Detroit lockers, Chrome molly axles, rear disc brake conversion, front and rear steel braided brake lines, slip yoke axle flip""

Self employment health insurance?

I am self employed, my husband is not. His new employer does not offer health insurance. Can I obtain health insurance for my family and deduct it as a business expense? Is there a specific kind of insurance I would have to get? Links to any websites would be appreciated.""

Why did my insurance go up for switching cars?

I have liability insurance in the state of California. The company is multi state. Recently I switched the vehicle I have on the policy from a 2005 pontiac GTO to a 1995 lincoln town car. I am wondering why my monthly actually went up, vs going down. When I spoke with a representative they explained to me that the GTO is a level 21 and the town car is a level 26 . Was this true? I hardly understand how a 1995 4 door sedan is more costly than a 2005 400hp 2 door. I have had no accidents or tickets hit my record, in all, it only went up $15, but I'm still at a loss about why it went up. Thanks.""

Cheapest insurance companies for 18 years old guy?

Hello, does any one know any cheap insurance for `18 years old boy. Im looking forward to buy: 1) vw polo 2001 1.0 2) skoda fabia 2001 1.0 3) Seat ibiza 2001 1.4 Thanks !!""

Health insurance in CA?

I'm a college student thinking of getting health insurance that is affordable. What health insurance should I get? And what's the cost of the insurance per month? Thank you

17 year old student Car Insurance for a Ford Fiesta 1.25 or a 1.4 climate 2004-2005?

Insurance for a Ford Fiesta 1.25 or a 1.4 climate 2004-2005 I need reasonable car insure I have no no claims bonus and I am new driver. I have been quoted around 4000 fully com on a 4000 car. My budget for insurance is around 1400 full or third party. I am an A level Law student I will going to uni next year and I might use the car to commute to there

What would the insurance be on a 2004 Saturn Vue?

My parents are being extremely kind and letting me get my license. Along with the license, they are offering to pay half of the price for a car for my and my brother. We are extremely tight on money, but they are being incredibly generous, so I thought it would be good to get an older, but safe, fuel-efficient car. I thought a Saturn Vue would be perfect. I'm 16 and my brother is 18. We are all going to be on the same insurance plan, and we are both (in my opinion) very good drivers. Does anyone know how much the insurance would be on a 2004 Saturn Vue? If it's too much, we would go with either a Ford Focus or a Honda Civic (we wanted a bigger car because we have both been rear-ended in our car driving home from high school. Both cars needed thousands of dollars of repairs and we needed rehab from our injuries as well. The bigger the car, the safer it is...while still keeping that fuel-efficiency). Thanks so much!""

Why is my car insurance so high?

Best dental insurance to get when needing restorative work?

in all honesty, i have terrible anxiety even when i think about going to the dentist. due to this, i have neglected my teeth and now i'm paying for it. i'm tired of worrying about my smile and just need to know the best insurance to help get me the smile i want.""

What would my insurance be with a DUI with a 2001 Ford Mustang GT? Nothing else on my driving record.?

I was in an accident but no one was hurt. I am thinking of getting this car but want to have an idea how much my insurance is going to be. I live in California.

How do college students pay for car insurance ?

I have always been curious since it cost so much.

Auto insurance rate increase for California?

i noticed this year 2008 when i was up for my 6 month renewal monthly payment plan that my payments were higher. i bought my car, a mazda cx-7 june of 2007 and i was paying $95 a month, now i have to pay $114 a month. no new accidents or tickets since buying the car. i was expecting nothing to change, but then i noticed this. so i called them (esurance) today and they told me that all of California had premium increases. is this true? i had a feeling they were bullshi**ing me. can someone please give me a link to this in the news or something if this is true? are there any other reasons why my premium should have gone up if i didnt change anything on it from last year? i always thought if everything is the same and my record is clean it should go down slightly every renewal? should i shop around? (26, male, san jose, ca, good driving record, esurance car insurance)""

Cheapest car insurance uk?

I know it also depends on what car you have but just a rough guess how much will it cost for me I'm 21 Iv also heard that the older you are the cheaper the insurance

I need affordable mortgage life insurance. I' m 62 and have a heart problem that is under control with meds?

I also have stents in my arteries and heart. I need $250,000 in insurance to payoff a 30yr loan. Our house was originally paid off and I (the house was put in my name alone, not my husbands) took out a mortgage for $130,000 to finance my daughters business which failed. I thought that I did have mortgage insurance on the original loan but did not find out until after I took out my 2nd mortgage ($120,000) to pay off other bills the business acquired. Between the 1st and 2nd loan I became ill and I don't know what to do now. My husband doesn't know about the 2nd loan. If anyone knows how to fix this please let me know. I don't want to die and leave 2 mortgages for my husband to pay off.""

Where can i get the cheapest insurance for my car?

How Do I get a reasonable car insurance price for a seventeen year old boy in the UK?

I'm sixteen at the moment, but I'm looking at insurance prices and they're ridiculous! (I got a quote of 5000 at one point :l) Have you got any tips for how to get a lower premium. Thanks. A really comprehensive list would be great because I have no idea! I have tried looking at insurance group one cars, but the prices are still really high.""

Piaggio ape 50cc Insurace Please HELP?

Okay I'm 17 and looking at getting a Piaggio ape 50cc to drive around i live in a town in the uk, I have looked for a number plate to get a example of cost on insurance as if its loads I wont be able to get it! I'm pretty sure I don't need full licence to drive just CBT as I don't have full licence!""

Open car insurance policy?

My dad is looking at buying me a 200 car to use but so far the cheapest insurance I can find is 4.5 grand. I have heard about open insurance policies and was wondering if my dad got the car and policy in his name would it work out cheaper for me to drive it like that? Also what companies do these policies and how would I go about getting one?

Car insurance in Canada?

What is the typical car insurance cost in Ontario?

How much does driving test cost in the uk and insurance for a 17 year old?

how much does driving test cost in the uk and insurance for a 17 year old and how many driving lessons should i take ?

How much is insurance for starting a cleaning service in California?

Should everyone be required to buy healthcare insurance?

I say no. What if I can afford it? It should not be required but it should be AFFORDABLE!

How do i get a cover note for my car instead of insurance for my car?

By that i mean ive heard theres such a thing called a cover note wich acts like insurance documents but the only diffrence being you dont pay insurance for the car and you pay all the costs if you have and accident. Please anyone give any feedback please. Many thanks.

Affordable health insurance?

I have no insurance, been unemployed over a year, no dependents, am not pregnant, and have no serious medical issues I'm aware of. If it matters, I'm not a US citizen, I'm a permanent resident alien. Which means I can work and pay taxes, but can't vote and don't get called for jury duty. I live in California. How do I find decent affordable health insurance? Are there any sliding scale clinics in San francisco for someone in my position? There seems to be options if one has kids, is pregnant, has a serious illness, or is a vet. I'm none of those. Also, I'm way past the time period to sign up for Cobra. Thanks in advance!""

How much would you estimate the annual cost of living to be in central New Jersey?

This would be for a simple lifestyle- one bedroom apartment, utilities, food, clothing, phone, internet, cable, basic car, car insurance, gas, car maintenance, computer, pet, gifts, and a one-week basic vacation. You can provide an estimate both with, and without, a basic health insurance plan premium. I am just trying to figure out about how much it would cost to live in this area. Thank you for your advice.""

Cheapest insurance for a yamaha tzr 50 for a 16 year olds first bike?

just bought a yamaha tzr 50, first bike wanted to know if anyone had a similar bike or knew any cheep insurance companies, less than 700, thanks""

I want to buy a car insurance by different address?

i want to buy a car insurance by different address which where i lived now. is that getting a problem ?

Can I get car insurance when I have a restricted license?

I have a B restriction on my tx license, would I still be able to get insurance, and if so will it cost more than insurance without a restriction""

Hi my partner is learning to drive she has bought a car the insurance is expensive for her can she get?

full insurance through someone else

What is Rating of policyholdersfor auto insurance?

When you are talking about car insurance...what does rating of policyholder mean?

How much will it costs me to cancel my Car Insurance?

Hi guys, I pay monthly installments on my car insurance and renewed my policy on 2nd February. Anyhow to cut a long story short I've bought a house with my fiancee and I work in Leeds now, and figured that it's cheaper to buy a monthly ticket for the train than it is to drive there, so want to cancel my insurance asap. I rang my insurance firm and they didn't give me an exact cost, only an admin fee of 29.95 to cancel, but mentioned that it is carried out on a 'pro-rata' basis. What does this mean and how much roughly am I looking to pay? I pay 51.00 a month at the moment...I'm confused.com! Thanks guys!! D""

Where can I find Health insurance providers?

I am looking to buy a temporary health insurance. I am a student and need this health insurance for only 3 months. Do you know any reliable, health insurance providers that could help me with this? If you could please provide a website or a phone I would really appreciate it! Thank You""

How far will my car insurance go up?

i hit my friends car at school today, there's just alittle dent and some red paint from my car on his car. im 16, and i have a red mustang convertible..im just wondering how much my insurance will go up?""

Why is my car insurance so high?

https://www.linkedin.com/pulse/where-did-health-insurance-companies-learn-word-affordable-adams/"

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spookyenemyperson-blog · 6 years

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online auto insurance quotes colorado

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online auto insurance quotes colorado

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I'm 16, and im currently driving my parents car to and from school. im insured as a full time driver and have been driving since February. at the end of the summer i plan on buying my own car, and i was wondering if we cancelled my insurance on my parents car for me, and insured me on the new car would it cost more or less than it is now?""

How do I fight an insurance company over biased eyewitness testimony?

I was driving in a parking lot with wide lanes and perpendicular spaces when another driver backed out into my passenger side door. The other driver claimed that I was driving too fast and her insurance company is only willing to accept 75% liability for the accident, because of her statements and those of her friends. I don't have any witnesses of my own, but it seems rather unjust that they can base their decision on obviously biased witnesses. Neither the physical nor the circumstantial evidence supports their claims. I've written letters to the insurance company in response to their letter to me, but they haven't replied or made any effort to address my concerns. How do I fight them? This occurred in California.""

""Are deductibles such as auto insurance or extended warranty deductions, taxable?

I had to pay a $100 deductible (plus $13 tax) when a repair was made under my extended warranty on my car. Was this a taxable item?

State Farm or Allstate Car Insurance: Which one is Better?

I'm trying to choose between the two...which one is better?

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How much renters insurance coverage are apartment complexes allowed by law to tell the renter they have to car?

I was told by a apartment complex that I had to have $3,000,000 worth of coverage in my policy. Is this amount allowed by law? I've never heard of such a large policy amount for renter's insurance. BTW, I live in north Texas.""

Will insurance companies charge Yahoo Answers users more than others due to cheating on the written test?

Before getting a license (or permit), a potential driver is supposed to study a booklet of information about how to drive safety, traffic laws, etc., and pass a test. Many potential drivers post the questions from the test in the safety category on Yahoo! Answers and get the answers that way, instead of actually studying all the information that they are supposed to study. Will insurance companies decide that insuring Yahoo! Answers users (many of whom cheat in this way) is riskier than issuing individuals who do not have Yahoo accounts (and cannot use Yahoo! Answers to cheat on the test), and charge higher rates to Yahoo! Answers users than to individuals who do not have Yahoo accounts? How much different will the rates be?""

I need cheap motorcycle insurance. Cant afford the ridiculous $1500 insurance for a $3000 bike.?

And I need full coverage. Any idea? I'm getting the new 2008 ninja. I'm an experienced rider, but I have no record of motorcycling at all. I used to ride in my country. But here, nope. no record. All i can do to reduce my insurance cost is take the MSF course. Dont even have an american driver's/motorcycler's license yet.""

My medical insurance company ask for homeowner insurance policy?

I fell on my deck, and went through surgery, the total medical expense is about 25K. Now my medical insurance company is asking for homeowner insurance policy. I am not sure how to handle it to avoid any potential cost to me such as deductible or premium increase. Is the medical insurance policy the primary or the homeowner insurance policy for this case? Thanks

I'm looking for an affordable medical insurance for me and my husband. Any experiences or suggestions.?

The one I have thru my employer is not good, will like to shop around but don't know where.""

Car health insurance...?

Why does car health insurance not exist I mean if it did then you would just pay a premium and then when you took it to a repair shop the insurance would cover it.

Who's car insurance pays for accident?

A young guy hit into the rear of my vehicle the other day. When I asked for insurance information he said he is driving his grandmothers car and he can't show me any. I don't know if he is telling the truth that it is not his car or not. He just gave me his name and phone number. At first I felt the marks were not bad but decided they should be fixed. He is hoping I don't pursue any damage claim. If this is his grandmothers car will her insurance pay for the accident or will his insurance?

Motorcycle or Scooter Insurance in London?

How much would the insurance be for a motorcycle or scooter worth less than 4,000GBP in London? I'm hoping that it would be a lot less than a 50cc scooter in Dublin worth about 400GBP costing 200GBP for insurance per year.""

Can anyone recommend an insurance carrier for insuring the contents of a house move (besides the movers)?

I am moving the contents of my house from California to Colorado using the PODS mover and storage - PODS insurance is very expensive and covers virtually nothing so I would like to find a reliable insurance company that will cover my belongings during transit and storage

How much does Ensure cost?

I'm striving to gain weight and I was wondering how much Ensure costs? I'm thinking Ensure Plus in packs or as a single purchase. Please name stores that sell it too. Thank you!

How much would my insurance be for Mercury Insurance ?

I'm 16 years old, and my parents Insurance is Mercury.. How much would they have to pay for me. And my car would be a Nissan Maxima 95' so it wouldnt be a new car so how much would my insurance be ?""

Cheapest and reliable car insurace company?

how has the lowest quote out under normal circumstances? i know they categorize it based on age,sex, etc. just tell me who has the cheapest insurance.is it really GEICO?""

Does my mom need to add me to her car insurance?

So, I never got my permit. I have been waiting to turn 18. In the state of Florida. I do not need a permit 18 or over. My thing is . Her car insurance won't let me be on her insurance without a drivers permit or licence. I'm stuck now. I was wondering will the dmv require me to be on her insurance in order to take the drivers test ?""

What happens if you get pulled over without insurance?

You see I am an awesome driver. I never get in an accident because I am always well aware of my surroundings. I realized that for the past five years of owning my truck, I have spent over 10 times it's worth in insurance, and never once needed it, ever. No accidents, and no getting pulled over. Isn't insurance a waste of money for me? I figured I could just put the money I would normally spend on insurance, in the bank for the same purpose, then if I need it I can take it out. If the truck dies first, I put the money towards a new car. Is this such a bad idea?""

Whats a good affordable car insurance company in dfw?

would like to pay no more than 100 dollars a month liability but i was looking for suggestions for insurance companies for my car to check out, a company that offered raodside ...show more""

Car insurance help!!?

So about a month and a half ago, someone kicked my car at night and left a big dent. I was stupid and called insurance and they gave me two options: fix the car or take a cash settlement. However, no matter what I do, my monthly insurance rate is going to go up even though it was not my fault. I think this is ridiculous and not worth it and I just want to cancel the claim. But I have been told that once a claim is put in, there's nothing you can do and once you hit three claims, your overall premium goes way up. What do I do? Should I just stop contacting the insurance company and after a while they have to close the claim? I wanted to sell the car this week but I guess that adds too many complications...""

I just got my permit... do i need insurance?

I just got my learners permit and my dad thinks that he has to add me to the insurance (geico) but a lot of people say I don't need my own insurance.

Insurance for young adults?

I can't seem to get all of my questions answered from my own research, so I've resorted to yahoo answers. My family lost my dad a few years ago, and with him we lost our insurance coverage. We currently receive social security. This stops once I graduate. Would I be able to receive any sort benefits (any sort of welfare, food stamps, etc) as a result of this? What about college grants? Also, my mom, sister and I don't have any health insurance. I want to apply for affordable insurance, but I really don't know much about it. How much would it cost, and what are my options? Thank you so much for anyone who takes the time to answer this, I really appreciate it.""

Need condo insurance in Florida?

Hi, can anyone point me to any web sites or insurance agents in Florida that are still writing insurance for condos? Thanks!""

Will 4 year old dui affect my car insurance with geico?

Riding a friends motorcycle without insurance?

My friend says he has insurance on his bike(ninja 250) that covers him, any other riders and any damages to the bike. He wants me to ride his bike but i have no insurance only my motorcycle permit, my question is, is he just miss understanding his insurance or is he correct about it? Thank you for any help! Also i plan on getting insurance in the next month.""

I just totalled my car. How much money can I expect from the Insurance company?

Car is a 2001 Chevy Malibu. Was in great shape. If you know a thing or two about cars please help me out. Thanks.

Can I get my own car insurance on a learners permit?

I am purchasing a new Altima on Wednesday. I am buying the car completely out but to take it off the lot you have to have insurance. Can I get car insurance on a learners permit? I'm 18. (Please don't answer if you don't know the actual answer. I don't need any opinions I need facts) Thank you in advance.

Home equity loan insurance?

We are remodeling our home for $150,000 and are wondering about home equity loan insurance. The bank offers insurance, but I'm wondering what our other options are. How much should we get and for what ( disability/unemployment/accidental death)? Thank you!""

How important is having health insurance in usa and why?

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""Muscle car, sports car insurance (old models)?""

Hi, im 14 and starting to get interested in buying a car, i want a old muscle car type like a stingray Corvette, Mustang, or Camaro, something of the type, like models 60s to 80s, i asked my dad about insurance on something like that and he said it would be expensive because of the fiber glass bodies and other things, i just wanted to see if he was right or wrong. so if someone could tell me all about that, i would appreciate it thanks!!!""

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Non-custodial parent needs affordable health insurance?

Apparently only custodial parents can apply for CHIPS health insurance. My last job had affordable health insurance for my son, but my new job only has insurance for 800.00 a month. I only make 10.50hr and get less than 40 hrs a week. Can someone please direct me to an insurance plan that I can afford?""

Which is the best insurance web site?

I just wanna which is the best insurance quotes website?

Car insurance?

hi last week i reversed into a piller and wrecked the back end off my car after paying 411 to get it fixed my b/f was coming home from work and a van went into the side of him and wrote my car off. we are getting a courtesy car today but apparently i cant drive it until my details have been sent to dvla and they get an ok back b/f reakons it will be a couple of days but i need a car is this right and does any1 know how long it will be cause i havent had a car for nearly 2 wks now and am lost without it. thank you

How much do you pay for car insurance?

I need insurance for my car for cheap i'm 21 i had my license for 8 months?

i just bought my car and i need insurance my parents cannot help me . i was thinking about getting insurance out of state .

Do i need insurance to get a title transferred into my name?

I just bought my first car, and i have never had insurance. i live in pennsylvania, so can i go the the title transfer place and get it done without insurance? ill get insurance the next day, but insurance companies will not accept me until the title is transferred?""

What's a website that tells you the average insurance of a car?

Lets say for a Mustang GT? I'm think of getting one but don't know how much the insurance of one is. Thanks.

HELP! I cant affored insurance...what an i to do???

I cant afford insurance is there anything thats cheap? I need to get it legal ASAP!!!!!!! Its the only car i have PLEASE I NEED YOU HELP!!!!!!

About how much will it cost to insure a 2012 Ferrari California or 2012 Aston Martin DBS Coupe?

I recently found out that I am going to be inheriting close to $36,000,000 (after all of the government fees and estate lawyers fees and everything else). I have always wanted a Ferrari or Aston Martin. Please don't say if you have to ask you can't afford it...as stated I am inheriting a lot of money and can easily afford it. I just want to know how much the insurance will cost me for planning purposes. I am a male and will be 20 when I get the money (and then the car)...it is going to apparently take between 9 and 10 months to get everything done for me to have my money. I have a good driving record (been driving for 2 years) and am a student and live in California (Orange County normally but for school I will be in Provo, Utah...studying to be an Accountant :] ). So knowing all of that, approximately how much will it cost me to insure a 2012 Ferrari California or 2012 Aston Martin DBS Coupe?""

Why is massachusetts excluded from affordable life insurance companies such as colonial penn?

and mutual of omaha.

Car insurance?

I have been looking about getting a small car and i was just wondering how much younger people have paid for their insurance. Im 18 and it is really high and i was wondering if it was like this for everyone??

Looking for good medical insurance?

I know blue cross/blue shield is good, but, what other insurance is out there? I need to insure myself, my son, and my fiance. I need to find some fairly cheap insurance as well. Know of any? And also, dental.""

Insurance question?

what is the average price of insurance of a 18 year old male with a sports car in the zip code area of 72601

What are typically the cheapest auto insurance company in Massachusetts?

I currently am with MetLife but they increased charges this year, so I'm looking to change the company. Any suggestions to cheaper auto insurance? Thanks!""

Can I still appeal what happened on my car insurance?

During the December Blizzard Massachusetts had my car slid down a hill and hit a curve and they had to total my car.... Now since I was the only driver I am 50% at fault for this accident Anyway a lot of people have been telling to appeal it as an act of god. Problem is I have been too busy trying to get a new car that it went past 30 days from the surcharge notice date and I need to know if I can still appeal this. I am a safe drive and I was going maybe 10 mph down this icy hill when my car slid on the ice...Please any help would be appreciated

Auto insurance for a 16 year old female?

*im adding some details i forgot to add last time, sorry for the question repost I was trying to do the online quote thing but i cant because its asks for a phone in order to generate the rates , and im most certainly not about to give them my phone number. No way jose.thats why im asking. -Im a 16 year old female -Dont have a license (yet) -im single -I would be driving a 2001 kia... i think sephia? Idk but it looks like a very basic car. -I have good grades -i have never gotten tickets or DUIS -I live arizona -I would only be driving to school which is approx. Seven minutes away fron where i live -I would only also be driving to work which is about 15 min away -I work part time So do any of u have an estimate??? Also please dont comment something irrelevant or pointless""

Switching to liability only car insurance?

Hi. I just moved to a new state with ridiculously high car insurance rates. My new rates are nearly double what I paid in my old residency. If I switch my coverage from full coverage, to liability only, how much would I save (approximately?) I currently pay nearly $230 a month on car insurance for full coverage. About how much would liability only be?""

Is this a reputable health insurance company?

Does esurance.com list reputable companies or do they list just any company? It looks like I have found a really good deal for student indemnity insurance from a company called Time. Does anyone know if this is a good company?

How much midwife cost w/wo insurance?

I am not sure if my insurance covers midwife expenses, hence any advice shall be helpful. Also, where can I look for a midwife who accepts insurance? Possibly ask my OB or hospital ? please advice""

Can car insurance be under my name if the title of my bfs car is in his name?

My bf is getting his mothers car. Can he put the title and register it in his name but have the car insurance in my name? He wants the insurance in my name so that he has a better rate. He had a DWI 2 years ago. If that is possible what kind of issues could i possibly have if the insurance is in my name.

Who'd rather have health insurance than Free National Health Care

Despite the imperfections in the system (and there are plenty) I'll keep what I have rather than Micheal Moore's fictitious nirvana of government run health care.

Cheapest car insurance?

new drivers

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https://www.linkedin.com/pulse/cheap-online-car-insurance-companies-blake-weber/"

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Dallas Texas Cheap car insurance quotes zip 75285

"Dallas Texas Cheap car insurance quotes zip 75285

Dallas Texas Cheap car insurance quotes zip 75285

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

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Seriously why do guys have to pay more for car insurance compared to women? It is unfair. If this was the other way round, all the females will be complaining and protesting. Now obviously women expect men to bend over backwards for there so called 'rights'. Right i now most of the women who use yahoo answer come back will be 'Men cause more accidents'. Well in fact men do not proportionately cause more accidents, men have more accidents, but men drive proportionately far more than women at a given time 79% of of all cars being driven are by males, 71% of all accidents are by males. Same goes with young males (17-22), they tend to be the first to want to embrace there rights when they turn 17 to be able to drive an automobile. You could clearly use your imagination and see that the stats are true. In a traditional nuclear family who drives mostly? obviously the husband (male). How would women feel like if they lost the right to equal pay.. because of statistics that they tend to take more days off due to things like maternity leave.""

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http://www.nytimes.com/2011/03/02/business/global/02insure.html The court of justice of the European Union (CJEU) has ruled that from December 2012, insurers will be prevented from charging different premiums on the basis of an insured person's gender. When will america pass a similar law. Not everyone is the same. Girl drivers are the worst, how on earth could their insurance be lower than ours when half the time they are in the car they are laughing so hard into their cellphone that they can't see anything but the roof of their cars. Mix a bunch of girls in one car and it gets even worse. And don't try to say it's because of statistics, obviously since there are more male drivers than female drivers there are going to be more crashes and etc.""

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How old should my vehicle be before I drop collision insurance?

Buying car insurance for the first time. HELP!!!?

Next week I can get my licens, and I already have a car so the only thing left would be car insurance. I asked my mom, who is making me pay for it, how much it would be to be put on her insurance. She said $108 a month!!! I know that I will not be able to afford that. I have enough money right now for about 14 months and that is it. I already have a job, but all the money I make goes toward tuition for private school(long story). Can I have my own isurance plan? Do I have to be under a parent? what are my options? Please help. I have until newt Friday to figure it out.""

Can an insurance company cancel the insurance after they found out that there is something wrong?

hi! we just bought a house and got insurances but then after a month in our new house, we got a notice from the insurance saying that our insurance will be cancelled by the next month coz they found out in the inspection that there is a rott on the garage roof and told us to fix it first then they will continue our insurance?? i just wanna know if they can do that or if that is allowed to cancel our insurance after they accepted us?? what can we do ?""

""I got into an accident using another person's car, do I get the insurance?""

I was using my friend's car with his permission. Somehow I got into a small accident, which I hit my friends car while taking reverse in a petrol pump. Do my or my friend's insurance company cover the expenses?""

Good/cheap car insurance?

I currently have Farmers Insurance. I'm thinking about switching and trying to find a lower rate. Does anyone have positive or negative feedback about companies like Geico and Progressive? Is there much of a difference between their rates and complanies like State Farm or Farmers? Any suggestions would be helpful!

What is the cheapest insurance I can get after an accident in NJ??

I am 18 years old so insurance is already extremely high for me(1100 for a 6 month policy through GEICO) and I recently had a minor accident where I rear ended another car and got a careless driving ticket. Im sure my rate will skyrocket in my next policy and I am wondering what I can do about it.

""Car accident, not at fault, but no insurance, other driver has no license. what to do?""

my parents got into a car accident with another driver. however, it wasn't their fault. in addition, my parents don't have insurance for that car because they just go it about 2 months ago (used.) but we have 2 other vehicles that are insured. does that mean that our car is technically under the policy? The other driver, who was at fault, HAS NO LICENSE but has an identification card, and has insurance. (her license is probably suspended) what are my parent's options?""

Car Insurance Question?

How much would it cost to insure a used (2004-2008) Pontiac Grand Prix GXP (5.3L V8 305 hp) compared to a Pontiac Grand Prix GT (3.8L V6 260 hp) for a 16 year old male in Texas after successfully completing Defensive Driving?

HELP! With Car insurance??????

OK so I lost my license because I got caught driving without insurance in September 2010. I just passed my test today. When I'm checking the quotes, the cheapest I have managed to find was 7400 for 1 year. That is for a 1.1L Peugeot 206 Insurance group 3. They can't expect me to pay that much for insurance for 1 year, I will need a mortgage for that. Does anyone know how much insurance will increase by after getting 6 points? I'm 20 BTW!""

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If i dont have car insurance can i still drive?

my name is not on the car insurance for my dads car, and he said i cant drive because my name is not on the insurance. so i cant drive the car intill my name is on the insurance? even thou he is my father?""

Car insurance help?

i live in northern california and moving to southern california this summer or fall for school. my car insurance is titled under my parents. do i need to tell insurance company( i have liberty mutual) that i'm moving to so cal? because southern california car insurance is really expensive and i dont' know if my parents can afford it. plus, i'll probably go back and forth whenever i'm on break ( thanksgiving, christmas... ) any advise please?""

What is the difference between term life insurance and cash value life insurance.?

which one is better if you are starting your own business. also how much time you need to have to cash it out all the money from the term life insurance. Moreover, what are the advantages and disadvantages of both of these options?""

Do trucks have high insurance?

As a ''rule'' are trucks high or lower side of insurance? BTW, I am looking at older trucks, 1994-1999 4x4's Thanks everyone. Please now Yes sort of maybe. Just a simple straight forward answer with facts to back up up! :)""

Want better insurance coverage??

It looks like that because of the conflicting passages in the ACA that you just might be able to qualify for better coverage by renouncing your American citizenship. http://blog.heritage.org/2013/11/27/obamacare-undermines-american-values/

The minimum amount your auto insurance must cover per accident is?

The minimum amount your auto insurance must cover per accident is in california?? A. $15,000; 30,000; 5,000 B. $10,000; $25,000; $5,000 C. $20,000; $25,000; $15,000 D. $5,000; $15,000; $10,000""

SVT Cobra 03 Insurance?

My father has a Mustang Cobra 03. Since I have a permit now, the cobra is all mine. I am wondering how much will I have to pay for insurance? I am sixteen years old (sirousely) .Male. No Violations. A student. No modifications to the car. Only driving it to school and work. I tried getting qoutes online but they are not availeble for my age. Please give me an Estimate. Help. Plz.""

Can a Home Mortgage Company insist you paint your house?

My mom receieved a letter from a mortgage company stating she needs to make 3 repairs to here house. (paint the outside, fix trim around door, repair soffet) They also said they would drop her in 30 days if not corrected. HELP.... Is this legal? I may also say my mom put a claim in last year with them and they (insurance co) had to repair a canapy for 2k.""

Provisional to Full license insurance?

I am 17 years old on provisional license and about to take out insurance for my car. I received a quote from Quinn Direct for about 1050, but I wanted to know what will happen when I pass my test and have full license? Will I have to pay more?""

Average Cost of Homeowner's Insurance for a home..?

that is appraised at 169,000 and bought for 166,000?""

Whats the typical cost for fr-44 insurance - monthly?

more info: It would be a cheap car for example a 97 escort or corrolla in the state of florida. Thanks!

Will my rates go up for a hit and run?

This weekend, my car was hit while parked in a parking lot. Nobody left a note or anything, which makes it a hit and run. The damage is extensive so I had to make a claim with my insurance co (it's unfair enough that I have to pay the deductible for something that's not my fault, I shouldn't have to pay even more). When I asked this won't make my rate go up, will it? they told me they will have to wait and see! This is so unfair, it wasn't my fault, I wasn't even THERE and they might raise my rates. I have 2 other claims in recent years, one from 2009 that was not at all my fault and the other from 2008 that was split 40-60 (or something, i don't know the exact % but i was less at fault that the other driver but still deemed at fault which was bs, but i digress). I have State Farm. Does anyone have experience with them and know if they will raise my rate over this? I'm so angry right now!""

I need to health insurance but i got laid off work...?

I understand that i need health insurance. Cuz face it, you never know when it's necessary. I've been looking for a job since I got laid off in March. Cobra turned out to be too expensive. What are some low cost health insurances that are good? Since i'm low on cash i dont wanna throw money into a bad insurance company. Are there any programs in California that can assist me? At least until i can find a job.""

Will women protest being forced to pay LESS for life and auto insurance than men?

No? I didn't think so.

Insurance.?

Does anyone know how much SR-22 Insurance Costs?

Liability Insurance for Kids?

What is the most important liability insurance for young people?

Price of car insurance 18 years old?

The cheapest quote for car insurance I have had is 5000 for a 1.0L Toyota Yaris, TPFT, kept in a garage overnight, the car is only worth 1000. Am I doing something wrong?? 5000 is just rediculous, Im not even going to bother with lessons yet. What is/was your insurance cost for this age?""

Switch auto insurance from USAA to Nationwide?

If the policy quoted by Nationwide was ~35% cheaper than what USAA would give, for the exact same coverage, would you switch? Why or why not?""

How common is rescission of insurance policies?

How common is rescission of insurance policies? Is it common? Or not?

Is this what we will expect with government run health insurance...?

I went to our government run motor company, GM, and told them I'm here to pick up my new truck. They said yes sir, and that will be $25,000. I said wait a second, I just paid billions of dollars to own my own car company, and it will still cost me $25,000 for a new truck? They said yes. So I went to Ford, and looked at a comparable truck, and it was $19,000. I asked, do I own this car company, they said nope, we are still owned by Ford. So, that has me wondering... I currently pay $665 a month for insurance for my family, and it's pretty good. What much is that going up once the government has to get paid too? Will it be $6,000 more a year? And why is it that I can't just pick up my Government Motors truck, I do own it right? Or, did Obama lie about the people owning the company? And since he lied about that, is it possible that he's lying about the cost and the public option? And finally... didn't he promise transparency in the negotiations, and it would all be on CSPAN? I keep looking for video of those negotiations, and can't find it anywhere. Is it possible that he Lied about that too? With all these lies, and can you possibly trust a thing this moron is telling you?""

How much will insurance cost for a boy at 17 yeras of age with a 2005 nissan altima with a v6?

Is it worth paying over $100+ car insurance?

I'm currently a college commuter and I drive a 1997 Toyota Corolla DX sedan with over 180k miles on it. My insurance company is GEICO and they put me on a 6 month payment plan where my premium is $839. Now the thing is that I pay about $140 a month for 6 months until that total is paid off, but is it worth paying $140 car insurance for a car that was manufactured in 1997 with over 180k miles and doesn't run or look to good at all. Should i try to finance a preowned or used car? If so how should i do it? I know there are many options in paying for a new car, but I'm 19, in college, working at Walmart part-time, and own a online business. Tips are appreciated.""

Can i get full coverage insurance with a suspended drivers license?

Car insurance for teenagers?

Im 18 and I own a used car. Never a trouble maker. I have a part time job. I want to know what insurance I can get for my car that is affordable.

What are the cheapest cars to insure as a 17 year old male that wants to buy a car in a budget of 1500 pounds?

i know insurance insurance is sky high but which cars can i get with a maximum budget of 1500 pounds that are good reliable cars and have a good name like VW etc i wluld prefer not to have a vauxhall renault pegeout etc and ford is last resort only

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If i drive less than 40 miles a day am I really entitled to more affordable car insurance?

You probably notice these ads on yahoo saying if you drive less than 40 miles you are entitled to cheap insurance to click on their ads to find out more. I was wondering if that true, what 's the trick?""

Car insurance rates in Ontario for new driver?

I plan to import my '01 Camry from USA to missisuaga. How much shd I expect to pay p.m. in car Insurance rates ? I have 3 yrs clean driving history in USA.Will my driving history in USA help with getting a better rate in canada ? Initially I will have only a US drivers license.Pls help shed light on my doubts .. Forgot to mention - I am married , age 30 yrs""

Has anyone heard of transamerica health insurance and if so is it worth it??

Thinking about getting insurance and would like some input on the Co.

Which insurance companies will let me drive other cars whilst fully comp at 21?

Selling insurance question?

What license/certification does one need to sell and distribute insurance such as home owners, auto, life insurance etc. in the state of Wisconsin. And what schooling if any would someone need to obtain these licenses and or certifications. My grandfather and a friend own a agency that affiliates with another independent agency that allows them access to a large variety of insurers, and they would like me to become apart of business.""

Who sells the cheapest car insurance?

How much would insurance be for a '69 mustang for a 17 year old with a 3.6 gpa?

Yeah, I really want a mustang but my parents are killing me about the insurance. So i want to find out how much it really is so I can tell them if i can pay for it or not. I really want this car, I know alot about cars so i'm not an idiot , i know what i'm doing. I just need to know. Thanks alot.""

What is the difference between insurance and banassurance?

Ex. Insurance deals by LIC, GIC Banassurance deals by banks""

Home insurance rates in california?

what are rough guidelines for figuring insurance rates on real estate in california? (corona, riverside county)?""

Geico car insurance !?

i have car insurance with Geico, on the policy was said Effective date : 12/20/2009 ... ( just bought insurance from Geico on 12/29/2009 ). i got accident today,( 12/22/2009 ),a deer jump into the front of my car and the front bumper messed up really bad... i know on the policy its said the effective date is 12/20/200/9 but still i wonder am i cover when i just recently bought the car insurance from them ( for 1 day and a half i guess ) ?!!! am just so ... panic and .. confuse right now !""

What kind of car insurance do I need?

All I want is liability, but what does the state of California require as their bare minimum? Do I need uninsured motorist bodily injury limits and property damage limit? I drive a 1993 Jeep Cherokee.""

How can I get insurance to cover at home birth through a midwife?

My Insurance company is saying that they will not cover an at home birth through a midwife, although they do cover midwife care. I do not want to pay for it up front if I am not certain I can get most of the cost reimbursed. I am admit on doing an at home birth as long as it is safe for the baby. I keep hitting a wall with insurance, what can I do?""

How much do you pay for auto insurance?

I just spent a few hours getting an auto insurance quote from a number of companies. I got a real good rate ($573 for a whole year) for our 2004 car and all the extras. I think this is a pretty good rate but wonder if others are paying more or less. How much are you paying?

I recently got a dui and crashed my car how much will my insurance go up?

right now im paying 45$ a month on car insurance

Why is car insurance rates so high?

What type of car business insurance do i need?

i have a small take-away business and i want to let my employees to drive my car. i have 3 cars for my business. can you please give me list of websites

Range rover sport insurance?

if i wer 2 go out n buy a range rover sport, how much would insurance per year cost me??? im 19, held a full, clean driving licence for over 2 years! my partner would be the main driver, he is 23. held a full, clean driving licence for 5 years! thanx in advance!""

Auto insurance question.?

I was in an accident and my auto insurance has a limit of 5000 medical. I went over the $5000 medical bills. Will my private health insurance cover the overage?

How much would insurance be on a 1993 mazda miata mx-5?

i am a 17 year old that has already had one speeding ticket if that helps.....but how much do you think the insurance might cost?

Car insurance for a young person?

I've calculated my monthly payment from being a young internet marketer, Which is $3000 a month. How much will money would I Really get if I have car insurance? Is there any other thing I need to know as well?""

What do you belive is the best insurance agency for teens?

I am a 16 year old who needs insurance. I plan on get a new car in a month which is my 17th birthday. The only problem is, I need to know what agent is the cheapest.""

What is the average repair cost to homeowner for property damage caused by a typical earthquake in California?

I'm 21 and attending school with no health insurance.?

I was on my parents insurance until they lost there's. What do you do? Health insurance is so expensive.

How do you find affordable medical insurance to cover family after the breadwinner becomes disabled?

""What are some practical, sensible alternatives to forcing people to carry health insurance or pay a tax?""

I have a problem with paying for people who don't carry insurance, like a certain brother-in-law who works as a handy man, lives paycheck to paycheck, smokes like a chimney, and refuses to buy health insurance. He is one accident or one case of lung cancer away from passing on a huge hospital bill to the rest of us. If we remove the requirement for people to carry health insurance, what is the alternative? Would we remove the requirement for hospitals to treat anyone who either did not have insurance or could prove they could pay the full cost out of pocket? Maybe people like my brother-in-law could get a tattoo on their butt that says Dear Doctor, I gambled and lost, let me die! Or maybe we let the states deal with the issue. Then the federal government could withold Medicare/Medicaid funding from any state that didn't ensure someway, somehow that everyone has affordable healthcare available. Lets solve the problem 50 times and 50 different ways instead of once. Gee that sounds better! So yea - whats the alternative? If its such a bad thing to make people buy health insurance, then give me a GOOD, practical alternative?""

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