#also get to do illegal subsidies without getting in trouble

[aralintheobsessive]

And why does America grow so much fucking corn? Well, several reasons, but dominant among them: Subsidised revenue insurance programs! "In 1949, government payments made up 1.4% of total net farm income — a measure of profit — while in 2000 government payments made up 45.8% of such profits. In 2019, farms received $22.6 billion in government payments, representing 20.4% of $111.1 billion in profits."

Bad year? Bad market? Get paid anyway. Grow corn! Why go to all the risk and expense of diversifying your operation to try and grow crops there's an actual market demand for when you could instead go all-in on corn and soybeans? Now so many farmers have gone down this route that if the government reduces those subsidies, it would devastate entire regions. In today's agricultural industry of broadacre cropping, most farming is done by massive, expensive, highly specialized machinery. You can't just pivot, because you're in debt on giant machines that really only work on corn. So the government isn't going to cut the subsidies. So more farmers are going to go all-in on the safe bet that is corn. It's a horrible self-perpetuating cycle.

(Source for quote and image: https://usafacts.org/articles/federal-farm-subsidies-what-data-says/)

I will write this thought about Veganism and Classism in the USA in another post so as to not derail the other thread:

There are comments in the notes that say meat is only cheaper than plant based foods because of subsidies artificially lowering the price of meat in the United States. This is...part of the story but not all of it.

For my animal agriculture lab we went to a butcher shop and watched the butcher cut up a pig into various cuts of meat. I have had to study quite a bit about the meat industry in that class. This has been the first time I fully realized how strongly the meat on a single animal is divided up by socioeconomic class.

Like yes, meat cumulatively takes more natural resources to create and thus should be more expensive, but once that animal is cut apart, it is divided up between rich and poor based on how good to eat the parts are. I was really shocked at watching this process and seeing just how clean and crisp an indicator of class this is.

Specifically, the types of meat I'm most familiar with are traditionally "waste" parts left over once the desirable parts are gone. For example, beef brisket is the dangly, floppy bit on the front of a cow's neck. Pork spareribs are the part of the ribcage that's barely got anything on it.

And that stuff is a tier above the "meat" that is most of what poor people eat: sausage, hot dogs, bologna, other heavily processed meat products that are essentially made up of all the scraps from the carcass that can't go into the "cuts" of meat. Where my mom comes from in North Carolina, you can buy "livermush" which is a processed meat product made up of a mixture of liver and a bunch of random body parts ground up and congealed together. There's also "head cheese" (made of parts of the pig's head) and pickled pigs' feet and chitlin's (that's made of intestines iirc) and cracklin's (basically crispy fried pig skin) and probably a bunch of stuff i'm forgetting. A lot of traditional Southern cooking uses basically scraps of animal ingredients to stretch across multiple meals, like putting pork fat in beans or saving bacon grease for gravy or the like.

So another dysfunctional thing about our food system, is that instead of people of each socioeconomic class eating a certain number of animals, every individual animal is basically divided up along class lines, with the poorest people eating the scraps no one else will eat (oftentimes heavily processed in a way that makes it incredibly unhealthy).

Even the 70% lean ground beef is made by injecting extra leftover fat back into the ground-up meat because the extra fat is undesirable on the "better" cuts. (Gross!)

I've made, or eaten, many a recipe where the only thing that makes it non-vegan is the chicken broth. Chicken broth, just leftover chicken bones and cartilage rendered and boiled down in water? How much is that "driving demand" for meat, when it's basically a byproduct?

That class really made me twist my brain around about the idea of abstaining from animal products as a way to deprive the industry of profits. Nobody eats "X number of cows, pigs, chickens in a lifetime" because depending on the socioeconomic class, they're eating different parts of the animal, splitting it with someone richer or poorer than they are. If a bunch of people who only ate processed meats anyway abstained, that wouldn't equal "saving" X number of animals, it would just mean the scraps and byproducts from a bunch of people's steaks or pork chops would have something different happen to them.

The other major relevant conclusion I got from that class, was that animal agriculture is so dominant because of monoculture. People think it's animal agriculture vs. plant agriculture (or plants used for human consumption vs. using them to feed livestock), but from capitalism's point of view, feeding animals corn is just another way to use corn to generate profits.

People think we could feed the world by using the grain fed to animals to feed humans, but...the grain fed to animals, is not actually a viable diet for the human population, because it's literally just corn and soybean. Like animal agriculture is used to give some semblance of variety to the consumer's diet in a system that is almost totally dominated by like 3 monocrops.

Do y'all have any idea how much of the American diet is just corn?!?! Corn starch, corn syrup, corn this, corn that, processed into the appearance of variety. And chickens and pigs are just another way to process corn. That's basically why we have them, because they can eat our corn. It's a total disaster.

And it's even worse because almost all the USA's plant foods that aren't the giant industrial monocrops maintained by pesticides and machines, are harvested and cared for by undocumented migrant workers that get abused and mistreated and can't say anything because their boss will tattle on them to ICE.

[chanelfunnell]

mail, Interesting one

A) anon, possibly casino, maybe he missed a disco in United Centre cave and maybe a strip bar for Sidney Crosby. I don't care I say it's always better to be a party boy/girl in your 20s rather than late bloomer hitting a dance floor with daddy dance and moves in late 30/40s like Crosby. Maybe he has been doing it for 20 years lol at least we know Tazer Captain Grumpy can dance not just on the ice so good , sign,

B) anon, Tazer's recent head on bad blurry cropped close up but from yesterday. No he is not all right and he was not bloated months ago closer to his ,illness,

C) anon, you can ride a pony after scoring a goal in NHL. I guess it needs a low IQ for playing a pond hockey or majority of elementary things to have a look on , someone's' IN with boring grid of shoes, coffee etc to scroll down to one or two photos of the horses.

I am speaking about Marketa and Meghan Markle who married into the family of horse riders. If you dig a dirt and create fabrications it is good to have a base. She is stupid and so Czech ex communist ice hockey officers with Jagr linked to ex KGB STB ex PM Andrey Babis. His children did not ride horses but the Windsors as not just UK royal family do. Also wealthy UK people and aristocratic girls. At least Meghan Markle should know it. You don't need to go into her Stories with boring stuff, Croatia not just last summer for special forces to train there and horses. Marketa Windsor has been apolitical for ages until Markle with fat UK politician and his bedmate dragged her into political trashing for different reasons from army info to just personal vendetta and low self esteem and J Jagr threw her to the wolves for the same reason to ex kGB Babis. Markle has contacted Babis as well as Jagr and ex communist Czech ice hockey mafians with her bs about M but we know that Markle is not so sharp and Marketa is not a zero and ugly as they orchestrated her Czech ID photo. Beside her super IQ and skills she is ...

Very smart princess and a commander who is able to skate out from all scrimmages and melees with head up grace and class wit and without harm. With a plan..she did not comment some mayor of Prague and so Babis but they monitor him and so not so secret pact that he hopes to be Czech President with recent court for corruption and one candidate less ..

I'd not go further and Babis with Jagr should stick to their Czech level of corruption and mafian tactics bcs it smells by bigger troubles linked to Arthur Landon and a man called Jack Mann linked to very stupid (Prince) Harry. We know the prince I'd stupid big mouth run by his Narciss wife and unable to run a tap of water, just playing games on Play station. No helicopter license, no way out of US army base in Afghanistan. Stupid with media posing and lack of reality check like his uncle Andrew who saw the action . The father's of Mann, Landon were warmongers, arms smugglers. They are around Harry, they got Markle into his set before she kicked them out. Jack Mann's father planned a coup in Africa., Jack Mann was seized as a mercenary up to Libya. It is not about Babis and Jagr's home turf and their Crimean trips. Even fat Kim of North Korea parade's with his daughter aka a girl in front of the rockets..Marines called Markle as Mata Harry, that exPM falls and rises with Markle as an abuse of the power and more serious stuff linked to UK princess and NATO army security than his illegal subsidies in the case that will continue with numerous appeals and playing about time than his Cray timing about the election of Czech President. He will not get there. He gets just a bigger blame and huge punishment linked to Markle. Marketa candy co watches him and autographs of Nagano gold medailist's son in Sherbrook or a brother of Columbus Blue Jackets prospect getting a play as a 26 yrs old junior with huge ice time. M waits until Harry finishes his whacking his drivel and Czech elections with more stuff. Her book out and so more stuff...it is not read and react but read and dictate the game, Jagr's political chum in cobra lullaby led into mine field as she called him stupid for getting BAbis and Bures with the same number of letters and places for vocals as well as the same letters, stupid like 4 bit show girl Markle than 264 bit encryption. Lion King, not by Markle leaving Royal Marines behind. M is a lion cub not a dove. Out of ice hockey topic, poking a bear in dangerous murky waters outside 9f Czech carp pond. Rambling about Marketa and ice hockey by hiring Czech NHLers David Krejci or prospects by Czech police for recruitment by exPM is nonsense. Not Margaret Maultasch. Little Big Horn.

[manningjoshua]

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[kristinsimmons]

A Full-Scale Assault on Medical Debt, Part 1

By BOB HERTZ

The recent proposal by Sen. Bernie Sanders to cancel $81 billion of medical debt is a very good start—but it is only a start.

The RIP Medical Debt group—which buys old medical debts, and then forgives them—is absolutely in the right spirit. Its founders Craig Antico and Jerry Ashton deserve great credit for keeping the issue of forgiveness alive.

Unfortunately, over $88 billion in new medical debt is created each year; most of it still held by providers, or sold to collectors, or embedded in credit card balances.

Tragically, none of this has to happen! In France, a visit to the doctor typically costs the equivalent of $1.12. A night in a German hospital costs a patient roughly $11. German co-pays for the year in total cannot exceed 2% of income. Even in Switzerland, the average deductible is $300.

U.S. patients face cost-sharing that would never be tolerated in Germany, says Dr. Markus Frick, a senior official. “If any German politician proposed high deductibles, he or she would be run out of town.”

In Australia, a recent proposal to establish the equivalent of a $5 co-pay for primary care visits fueled such an outcry that the federal government was forced to withdraw the idea.

Americans may be forced to take second jobs just to pay medical debt; meanwhile, the highly-taxed Europeans get free medical care and are counting their weeks of paid vacation. What is wrong with this picture?

These nations have shown that cost sharing is not necessary to keep health care spending at a level well below that of the United States. They rely on higher taxes and price controls…and yet, are those really worse than widespread patient debt?

U.S. Medical debt comes primarily from these sources:

the uninsured

high deductibles

out-of-network bills

claim denials

specialty drugs

emergency room care

‘zombie debts’ purchased by collectors

In this essay, I will show that a substantial number of these debts can be cancelled or greatly reduced.

Today, these groups run up the most medical debts:

Group No. 1. The poor and the uninsured, including those who still do not get Medicaid in red states.

 A Tennessee couple earning $13,000 annually gets no help whatsoever on medical bills. They can barely afford food or rent; so of course they incur medical debt every time they are sick.

Over 20% of these families do not have a checking or savings account. Over 30% are not working at all.If they do work, they cannot afford to join the employer’s plan.

Six full years after the ACA, there are still close to 30 million adults in the US who are uninsured. About seven million are undocumented immigrants. Another seven million are actually eligible for Medicaid, if they do get sick.

About four million could benefit from the ACA, but many are unaware of the exchanges. Up to five million are very poor, but are kept out of both Medicaid and the ACA in the red states described above. Another two to three million make too much for ACA subsidies.

This is a hard group to help. No states besides California want the undocumented to get insurance. No cities outside liberal enclaves like Seattle and New York care about health insurance for restaurant and service workers.

The poor rarely vote, so ignoring them does not trouble conservatives. Politics are often dominated by seniors—who will approve a conservative message about  ‘getting rid of socialized medicine’—while they themselves enjoy the federal socialism of Medicare.

(Not to mention Social Security, electricity, phone infrastructure, and the defense spending that comes to red state residents from the federal government,)

Group No. 2.  The under-insured, who have high deductible insurance but no savings.

Why are they walking around with deductibles they cannot afford?

At some employers, this is the only health insurance which is offered.

Even where there is a choice of plans, people with smaller incomes often select the cheaper high-deductible coverage.

If you are healthy, a high deductible plan to save money on insurance premiums may be a decent gamble at first.. But if you have a chronic illness, you will pay the entire deductible each year, and  will probably build up debt. Only a minority of employers offer  assistance to pay the deductibles.

Sometimes this group pays $500 a month or more for a porous health plan, which then leaves them with thousands in debt if they are hospitalized. 

Many families are living right on the edge financially, and they have trouble with all their debts, not just medical. Default rates are growing on their car loans and credit cards as well. They often face utility shutoffs and repossessions.

A recent study of insurance claims showed that 49% of patient out-of-pocket costs per healthcare incident were below $500; 39% were $501-$1,000; and 12% were more than $1,000. That generates an enormous amount of medical debt.

Group No. 3. The well-insured, who may still get huge out-of-network bills.

Some of their debts are out-and-out fraud. If a hospital says they are in-network, then all their contractors should be in-network – or else we have an illegal bait-and-switch. These surprise bills should be cancelled (details to follow).

In 2011, (9 years ago) New York studied more than 2,000 complaints involving surprise medical bills, and found the average out-of-network emergency bill was $7,006. Insurers paid an average of $3,228 leaving consumers, on average, “to pay $3,778 for an emergency in which they had no choice.”

Out-of-network assistant surgeons, who often were called in without the patient’s knowledge, on average billed $13,914, while insurers paid $1,794 on average.  Surprise bills by out-of-network radiologists averaged $5,406, of which insurers paid $2,497 on average.

Medical debt can be cruel and dispiriting—and it is also incredibly inefficient! The cost of creating a bill, sending a bill, following up, negotiating a settlement, paperwork for charity care, financial counseling, a possible lawsuit, and (rarely) getting repayments over years… The sheer administrative expense is staggering.

The average recovery on hospital bills sent to individuals is 15.3%. Non-hospital providers recover an average of 21.8% of each bill. No wonder some providers prefer Medicaid—it only pays about 50% or less of their normal charges, but that is far more than they will get in actual collections.

There are two overarching models for financing health care:

One is the Bernie Sanders model:

Paternalistic – you get insurance whether you choose it or not

Sympathy for the poor, minorities, and migrants (you never know when you might be among them)

Collectively bargained – usually with large payroll taxes

No pre-existing conditions clauses

Hospitals are financed mainly by taxes, not user fees

Patients are not in debt (though governments often are)

Cost control through price controls and rationing

The Sanders model accepts the use of coercion to pay for health care. (For that matter, the Singapore health model that is praised by conservatives is filled with coercion, including public hospitals, forced savings for HSA’s and taxes for catastrophic insurance.) At some point we are all going to get sick, so letting us decide when to buy insurance is somewhat of a fool’s paradise. Millions will always make bad choices and be left to suffer; we need to be protected against our own stupidity. Coercion is —the only real issue is when and where. Even wealthy societies can benefit from forced savings. For example, a mandatory HSA deposit of 3% of income would eliminate most of the medical debts discussed in this essay.          

The other is the Paul Ryan-Newt Gingrich model:

Based on Individual choice

No mandates on employers to provide quality coverage

No mandates on individuals to buy quality coverage; if they want to gamble going uninsured in order to save money, that is their call.

Hospitals financed by user fees, insurance premiums and private savings

No interference with anyone making money on health care – even those who prey on medical debtors

Medical bankruptcy is OK, because the fear of it motivates the purchase of health insurance.

Cost control (theoretically) through competition – faith in free markets

Taxes on workers are lower – although the savings seem to be siphoned off in premiums, co-pays, and deductibles.

The Ryan model is frankly Darwinian when you get close to it. The uninsured, frankly, are usually people who make mistakes – like poor budgeting, failing in school, losing their jobs, or being born to non-rich parents. Persons with no money get much less care, and will die sooner. Those who do not buy insurance when they are healthy will suffer later on. Eventually it all starts to sounds like “culling the herd.”

The Ryan model therefore expects a lot from private charity. (Begging is preferable to new taxes.) Democratic legislators have also established Medicare, Medicaid, and SCHIP to smooth out the inevitable rough edges.

Medical debt is an obvious consequence of the libertarian model. It can only be reformed by importing controls and rules from the Sanders model.

The ideal image of high-deductible insurance features a judicious patient with at least $10,000 in HSA savings, getting bids on each procedure and therefore driving down costs. They might even have non-urgent care done abroad, which would force American hospitals to compete on price. They might decline an unnecessary treatment or diagnostic test, to save money.

Even if hospitalized, they can say to the provider, “I am paying cash, what is your best offer?” The Amish – who do not buy insurance, but save prodigiously – actually use this method.

This has some basis in fact. Cash for medical care is more efficient and will over time lead to lower prices.

However, millions of Americans have no cash, and no bargaining skills. Some diseases may not wait for patient ‘shopping.’ A desperate patient goes to the nearest hospital and then juggles utility bills and high-interest charge cards to pay down medical bills, and then begs for help from relatives or (even sadder) from GoFundMe.

The average holder of an HSA account is under age 45, healthy, and with an average income of $75,000. Whereas in low-wage America, a ‘consumer-driven’ health plan is a ‘consumer-indebted’ reality. 

Financial casualties among patients do not seem to lead to lower health care prices. Providers are just as likely to raise their prices, in order to cover the bad debt they are taking on. (Drug companies certainly do not lower their prices when their customers suffer.)

Doctors may want to forgive some patient debts, but there is a limit how often they can do this and still cover the expenses of their practice. In some cases, it is actually (and idiotically) illegal for physicians to waive the deductibles.           

Bob Hertz is a retired insurance broker. He learned about health care from Uwe Reinhardt, Joseph White, Dr. Robert Evans, and George Halvorson a fellow Minnesotan.

The post A Full-Scale Assault on Medical Debt, Part 1 appeared first on The Health Care Blog.

A Full-Scale Assault on Medical Debt, Part 1 published first on https://wittooth.tumblr.com/

[lauramalchowblog]

A Full-Scale Assault on Medical Debt, Part 1

By BOB HERTZ

The recent proposal by Sen. Bernie Sanders to cancel $81 billion of medical debt is a very good start—but it is only a start.

The RIP Medical Debt group—which buys old medical debts, and then forgives them—is absolutely in the right spirit. Its founders Craig Antico and Jerry Ashton deserve great credit for keeping the issue of forgiveness alive.

Unfortunately, over $88 billion in new medical debt is created each year; most of it still held by providers, or sold to collectors, or embedded in credit card balances.

Tragically, none of this has to happen! In France, a visit to the doctor typically costs the equivalent of $1.12. A night in a German hospital costs a patient roughly $11. German co-pays for the year in total cannot exceed 2% of income. Even in Switzerland, the average deductible is $300.

U.S. patients face cost-sharing that would never be tolerated in Germany, says Dr. Markus Frick, a senior official. “If any German politician proposed high deductibles, he or she would be run out of town.”

In Australia, a recent proposal to establish the equivalent of a $5 co-pay for primary care visits fueled such an outcry that the federal government was forced to withdraw the idea.

Americans may be forced to take second jobs just to pay medical debt; meanwhile, the highly-taxed Europeans get free medical care and are counting their weeks of paid vacation. What is wrong with this picture?

These nations have shown that cost sharing is not necessary to keep health care spending at a level well below that of the United States. They rely on higher taxes and price controls…and yet, are those really worse than widespread patient debt?

U.S. Medical debt comes primarily from these sources:

the uninsured

high deductibles

out-of-network bills

claim denials

specialty drugs

emergency room care

‘zombie debts’ purchased by collectors

In this essay, I will show that a substantial number of these debts can be cancelled or greatly reduced.

Today, these groups run up the most medical debts:

Group No. 1. The poor and the uninsured, including those who still do not get Medicaid in red states.

 A Tennessee couple earning $13,000 annually gets no help whatsoever on medical bills. They can barely afford food or rent; so of course they incur medical debt every time they are sick.

Over 20% of these families do not have a checking or savings account. Over 30% are not working at all.If they do work, they cannot afford to join the employer’s plan.

Six full years after the ACA, there are still close to 30 million adults in the US who are uninsured. About seven million are undocumented immigrants. Another seven million are actually eligible for Medicaid, if they do get sick.

About four million could benefit from the ACA, but many are unaware of the exchanges. Up to five million are very poor, but are kept out of both Medicaid and the ACA in the red states described above. Another two to three million make too much for ACA subsidies.

This is a hard group to help. No states besides California want the undocumented to get insurance. No cities outside liberal enclaves like Seattle and New York care about health insurance for restaurant and service workers.

The poor rarely vote, so ignoring them does not trouble conservatives. Politics are often dominated by seniors—who will approve a conservative message about  ‘getting rid of socialized medicine’—while they themselves enjoy the federal socialism of Medicare.

(Not to mention Social Security, electricity, phone infrastructure, and the defense spending that comes to red state residents from the federal government,)

Group No. 2.  The under-insured, who have high deductible insurance but no savings.

Why are they walking around with deductibles they cannot afford?

At some employers, this is the only health insurance which is offered.

Even where there is a choice of plans, people with smaller incomes often select the cheaper high-deductible coverage.

If you are healthy, a high deductible plan to save money on insurance premiums may be a decent gamble at first.. But if you have a chronic illness, you will pay the entire deductible each year, and  will probably build up debt. Only a minority of employers offer  assistance to pay the deductibles.

Sometimes this group pays $500 a month or more for a porous health plan, which then leaves them with thousands in debt if they are hospitalized. 

Many families are living right on the edge financially, and they have trouble with all their debts, not just medical. Default rates are growing on their car loans and credit cards as well. They often face utility shutoffs and repossessions.

A recent study of insurance claims showed that 49% of patient out-of-pocket costs per healthcare incident were below $500; 39% were $501-$1,000; and 12% were more than $1,000. That generates an enormous amount of medical debt.

Group No. 3. The well-insured, who may still get huge out-of-network bills.

Some of their debts are out-and-out fraud. If a hospital says they are in-network, then all their contractors should be in-network – or else we have an illegal bait-and-switch. These surprise bills should be cancelled (details to follow).

In 2011, (9 years ago) New York studied more than 2,000 complaints involving surprise medical bills, and found the average out-of-network emergency bill was $7,006. Insurers paid an average of $3,228 leaving consumers, on average, “to pay $3,778 for an emergency in which they had no choice.”

Out-of-network assistant surgeons, who often were called in without the patient’s knowledge, on average billed $13,914, while insurers paid $1,794 on average.  Surprise bills by out-of-network radiologists averaged $5,406, of which insurers paid $2,497 on average.

Medical debt can be cruel and dispiriting—and it is also incredibly inefficient! The cost of creating a bill, sending a bill, following up, negotiating a settlement, paperwork for charity care, financial counseling, a possible lawsuit, and (rarely) getting repayments over years… The sheer administrative expense is staggering.

The average recovery on hospital bills sent to individuals is 15.3%. Non-hospital providers recover an average of 21.8% of each bill. No wonder some providers prefer Medicaid—it only pays about 50% or less of their normal charges, but that is far more than they will get in actual collections.

There are two overarching models for financing health care:

One is the Bernie Sanders model:

Paternalistic – you get insurance whether you choose it or not

Sympathy for the poor, minorities, and migrants (you never know when you might be among them)

Collectively bargained – usually with large payroll taxes

No pre-existing conditions clauses

Hospitals are financed mainly by taxes, not user fees

Patients are not in debt (though governments often are)

Cost control through price controls and rationing

The Sanders model accepts the use of coercion to pay for health care. (For that matter, the Singapore health model that is praised by conservatives is filled with coercion, including public hospitals, forced savings for HSA’s and taxes for catastrophic insurance.) At some point we are all going to get sick, so letting us decide when to buy insurance is somewhat of a fool’s paradise. Millions will always make bad choices and be left to suffer; we need to be protected against our own stupidity. Coercion is —the only real issue is when and where. Even wealthy societies can benefit from forced savings. For example, a mandatory HSA deposit of 3% of income would eliminate most of the medical debts discussed in this essay.          

The other is the Paul Ryan-Newt Gingrich model:

Based on Individual choice

No mandates on employers to provide quality coverage

No mandates on individuals to buy quality coverage; if they want to gamble going uninsured in order to save money, that is their call.

Hospitals financed by user fees, insurance premiums and private savings

No interference with anyone making money on health care – even those who prey on medical debtors

Medical bankruptcy is OK, because the fear of it motivates the purchase of health insurance.

Cost control (theoretically) through competition – faith in free markets

Taxes on workers are lower – although the savings seem to be siphoned off in premiums, co-pays, and deductibles.

The Ryan model is frankly Darwinian when you get close to it. The uninsured, frankly, are usually people who make mistakes – like poor budgeting, failing in school, losing their jobs, or being born to non-rich parents. Persons with no money get much less care, and will die sooner. Those who do not buy insurance when they are healthy will suffer later on. Eventually it all starts to sounds like “culling the herd.”

The Ryan model therefore expects a lot from private charity. (Begging is preferable to new taxes.) Democratic legislators have also established Medicare, Medicaid, and SCHIP to smooth out the inevitable rough edges.

Medical debt is an obvious consequence of the libertarian model. It can only be reformed by importing controls and rules from the Sanders model.

The ideal image of high-deductible insurance features a judicious patient with at least $10,000 in HSA savings, getting bids on each procedure and therefore driving down costs. They might even have non-urgent care done abroad, which would force American hospitals to compete on price. They might decline an unnecessary treatment or diagnostic test, to save money.

Even if hospitalized, they can say to the provider, “I am paying cash, what is your best offer?” The Amish – who do not buy insurance, but save prodigiously – actually use this method.

This has some basis in fact. Cash for medical care is more efficient and will over time lead to lower prices.

However, millions of Americans have no cash, and no bargaining skills. Some diseases may not wait for patient ‘shopping.’ A desperate patient goes to the nearest hospital and then juggles utility bills and high-interest charge cards to pay down medical bills, and then begs for help from relatives or (even sadder) from GoFundMe.

The average holder of an HSA account is under age 45, healthy, and with an average income of $75,000. Whereas in low-wage America, a ‘consumer-driven’ health plan is a ‘consumer-indebted’ reality. 

Financial casualties among patients do not seem to lead to lower health care prices. Providers are just as likely to raise their prices, in order to cover the bad debt they are taking on. (Drug companies certainly do not lower their prices when their customers suffer.)

Doctors may want to forgive some patient debts, but there is a limit how often they can do this and still cover the expenses of their practice. In some cases, it is actually (and idiotically) illegal for physicians to waive the deductibles.           

Bob Hertz is a retired insurance broker. He learned about health care from Uwe Reinhardt, Joseph White, Dr. Robert Evans, and George Halvorson a fellow Minnesotan.

The post A Full-Scale Assault on Medical Debt, Part 1 appeared first on The Health Care Blog.

A Full-Scale Assault on Medical Debt, Part 1 published first on https://venabeahan.tumblr.com

[boomvagynamite]

LONG POST BUT GOOD I THINK

Hello tumblr! I would like to take the time to explain some of this British/Irish politics stuff that is happening right now. I’m not an expert, but apparently neither is anyone else (including Theresa May), so I’m going to run down what I know, so that everyone who wants to understand can get up to speed (as much as I’m able to get you there). If anyone who is an expert wants to correct me or add anything then please, please do.

(Quick note: Remember that the UK is a country, but it also made of other countries including Northern Ireland.)

First, some history: Britain has had a very tumultuous relationship with Ireland basically forever. There’s a LOT to go over, so I’ll just kind of massively over-simplify and say that Ireland became a British colony and fought its way out until only 6 counties were undecided about being part of the UK.* Conflict known as The Troubles started in the ‘60s.

The Troubles: The counties of Northern Ireland consisted (and still consist) of a mixture of two key ideologies; those who considered themselves British (unionists), and those who considered themselves Irish (republicans).** The former, wanted Northern Ireland to stay as part of the UK, but the latter wanted Northern Ireland to rejoin the rest of Ireland as one sovereign state - they arguably settled into a kind of a ‘draw’*** in the 1920s. When the fighting began in the ‘60s, the republicans were, rightly, pissed that they were being discriminated against by the unionist authorities - they wanted to be treated fairly, and asking and then demanding it clearly wasn’t working, so they resorted to force. This kicked off thirty years of fighting, involving a variety of paramilitary groups, activists, Northern Irish police, politicians, and the British army. Thousands of people died (mostly civilians), and there was bombing throughout the UK. Eventually, after a lot of work, a peace-deal was brokered: The Good Friday Agreement (GFA).

The Good Friday Agreement: In order to bring an end to the both the fighting, but also the state-sponsored discrimination that started it, a contract was brought up between the republicans and the unionists. It’s pretty complex, but some key points are these: 

A forced coalition of republicans and unionists must run the country 

The majority of people want to stay in the United Kingdom but there are loooads who want to be part of Ireland: If there is ever a time when this switches, and the majority wants to unite with the Republic of Ireland, then the UK is bound to allow it.

(A reason this is so groundbreaking is because Britain had never before recognised that both these ideas were totally legitimate)

Key to this contract is the concept of ‘impartiality’. To properly manage a country with such distinct and opposing viewpoints, you have to be emphatically impartial between the two (and the legitimacy of both viewpoints therefore implicit). This is why the forced coalition is so important. 

That was in 1998, and Northern Ireland has pretty much been peaceful ever since (there is the odd bombing every now and then) but obviously it’s kind of part of the whole deal that the two sides will never see eye-to-eye completely. Unfortunately...

Recent UK political history: I won’t go into too much detail, but basically the Conservative party were having a bit of a power struggle and David Cameron (the Prime Minister at the time) decided to sort it out by saying he’d hold a referendum about whether the UK should be part of the EU. And in 2016, he kind of had to follow through with that. It was a dumb decision with no forethought whatsoever, and the discussions around it were of the same ilk. Anyway, as we all know, without any idea what would happen once the decision was made, the UK slightly voted to Leave more than to Remain (this is known as Brexit because of course it is a dumb name like that). David Cameron resigned because whoops, and we got Theresa May - we didn’t get to vote for her or anything, we just got her. 

This year, she decided she wanted a more firm support to go into Brexit negotiations with Europe, so she called a snap election. Elections are typically every 5 years and our last one was only in 2015, so it was early. LITTLE DID SHE KNOW, good old Jeremy Corbyn (who I could talk about at length as well but I won’t) and his Labour crew brought their A-Game, and destroyed the Tories as much as they could without actually winning the election.

Basically, Britain has a dumb system called ‘first-past-the-post’. The gist of it is as follows: Each political party has their own leader, and that leader becomes the prime minister if their party wins. When you go to vote, you vote for a local MP for your constituency (or local area) representing his or her party and that counts towards the national wins - or seats - of that party. For example, you might vote for a local Labour candidate and, if that Labour candidate wins, their seats are added to the Labour party seats to see whether or not the country wants them doing a good rule of the whole place. To have a strong mandate, i.e. to be large-and-in-chaaarge, a political party has to get a ‘majority government’ - this is defined as winning 326 seats. If they don’t get that, they must form a coalition with another party to pick up the seats that they’re missing - this tends to be the biggest party teaming up with one of the much smaller ones. In 2010 nobody got enough seats****, and the Tories took over from the Labour party by getting the Lib Dems into a coalition with them; then they somehow got even more control in the 2015 election by getting a majority government on their own little leggies (no Lib Dems required).

In this election, again, no party got enough seats - so the Tories had to try and get a coalition going. But there was a problem! All the other parties they could turn to, had said they would absolutely not form a coalition with them. WHAT TO DO? Well, remember we were talking about Northern Ireland earlier...

I KEEP THINKING I’M NEAR THE END AND THEN MORE INFORMATION IS HAPPENING: Northern Ireland has for a while been run by a coalition between the Democratic Unionist Party (DUP) and Sinn Féin. The former is unionist (obviously); the latter is republican. This had been going pretty well, till something called the Renewable Heat Incentive (RHI). This was a system to help businesses move towards renewable energy sources, thereby reducing UK carbon emissions. Essentially, businesses were given subsidies to change their heating methods over from non-renewable sources. But it was done in a shambolic way - people were basically being paid to just have their heat on aaaall the time, and there was no cap on subsidies so they could just heat their way to an unethical, but apparently perfectly legal, fortune. SCANDAL HAPPENED when it was revealed that this whole thing was going to cost Northern Ireland huuuundreds of millions of pounds and also look what a hash job everyone has done. Arlene Foster, leader of the DUP was asked to stand down while an enquiry happened but she refused and, in protest, the leader of Sinn Féin (Martin McGuinness) resigned from his post (and then subsequently resigned from the party and then died). Sinn Féin refused to put someone else forward to lead their half of the coalition, so Arlene Foster couldn’t lead either! Northern Ireland, therefore, had to have an election even though they had JUST HAD ONE in 2016. So they had another in March and the unionists headed into shaky ground - they lost a whole lot of seats, so only had one more than Sinn Féin. Sinn Féin continued to demand that Arlene Foster step down, and Arlene Foster continued to refuse, meaning they still couldn’t form a government. They were given a deadline to form one, or they would be put under Direct Rule (this means Westminster taking over running Northern Ireland), which is NOT IDEAL considering. (Also Brexit is happening!!! Ireland is part of Europe!!! The Northern Irish border with Ireland is a sensitive thing!!! Nobody talked about this during Brexit and they’re all fucking idiots!!!) The deadline passed, so they extended the deadline... And then Theresa May called a national election! WHAT A CLEVER CLOGS. This fucking idiot called an election in the most unstable time in Northern Ireland since the fucking ‘90s. Northern Ireland now has to go back to the polls once again! So they push back the deadline some more and then the election happens and GUESS FUCKING WHAT...

CLUSTERFUCK: Theresa May, a monumental shitshower of idiocy, doesn’t have enough seats to run the country, and nobody wants to team up with her horrible party, and now she’s fucked! But WAIT, what about the party that is embroiled in a corruption scandal and is currently unable to run its own country? That’s a good idea. Let’s get them involved. Theresa May and the DUP decide to join up. 

Now. Remember a little thing from nearer the beginning of this stupidly long post: The Good Friday Agreement? The culmination of years of peace-process discussions after and through decades of war and terror? The thing the relies on an impartial government? How impartial is the Tories getting in bed with the DUP - the unionists? Not very impartial, if you don’t mind me saying. So now not only is Northern Ireland in a mess over the Cash for Ash scandal, and unable to run itself, but ALSO Theresa May is shitting all over the only real thing that’s kept the peace for nearly 20 years. And we still don’t know what’s happening with the Ireland/NI border! And we still have a deadline for a NI government to be sorted out! And the official plan for when that doesn’t happen is Direct Rule! And you can’t possibly run Direct Rule with one of the coalition parties that is refusing to run the fucking country! And Direct Rule is kind of kryptonite for GFA anyway! IT’S A FUCKING LUDICROUS, ILLEGAL, DANGEROUS MESS. 

And that’s all I have to say about that.

-----------------------------------------------------------------

*That’s not exactly what happened. Ireland was colonised, fought for home rule (which is like being in charge of their area, while still be a British colony), and was partitioned in the 1920s because lots of people in these few Northern counties wanted to be ruled by the British government. The Irish Free State was created soon after, and Northern Ireland had the option to be part of that as well, but their government decided nah.

**This divide invariably fell along Protestant vs Catholic lines which lots of wilfully ill-informed British people will tell you is all the fighting was about. Actually there is a very long history related to this divide, which involved purposeful subjugation of Catholics in Ireland, to the point that the Irish Potato Famine could be considered attempted genocide of Irish Catholics by the British (protestants).

***Northern Ireland has since had the right to leave the UK if that’s what its people want, but that hasn’t happened and... Well, read on.

****This is known as a ‘hung parliament’. Hung parliaments do not happen a lot. there was one in 2010, as detailed above, and I think the one last before that was way back in the ���70s. 

[brajeshupadhyay]

Behind Pakistan’s cartographic hallucination on Kashmir lies Imran’s domestic woes, China’s invisible hand

Imran Khan is in trouble, to put it mildly. The Pakistan prime minister initially dismissed COVID-19 as common flu and had advised citizens to stay at home even if showing symptoms. When the pandemic raged beyond control, Imran’s answer was to implement a ‘Corona tiger force’, a youth recruitment program to “wage jihad” against the virus.

The virus was unmoved by such gimmicks. As the crisis deepened, an alarmed World Health Organisation shot off a letter in June slamming hasty lifting of lockdown in provinces without meeting any of the requisite conditions and expressed concern over Pakistan’s high positivity rate and lack of testing.

Meanwhile, Pakistan’s already fragile, debt-burdened economy is collapsing. According to World Bank estimates, Pakistan is heading towards “major recession”. The New York Times quoted Pakistan Institute of Development Economics, an independent research firm, to report that “up to 18 million of Pakistan’s 74 million jobs could be lost.”

A broke Pakistan is set to become the first large developing country to apply for a debt repayment relief under a G-20 initiative.

Alongside and unsurprisingly, Pakistan’s rickety public health infrastructure is also in a coma. Doctors and caregivers are functioning without basic protective gear and risking public ire to boot.

This is Karachi Civil Hospital. Doctors say over 70 persons attacked it's ER tonight at around 11am. Docs & staff remained unhurt. They say the attackers had iron rods, knives. "KOI CORONA NAHEN HAI. YE SAB DOCTORS KA DRAMA HAI," they shouted. pic.twitter.com/MZsHllxbJ7

— Sameer Mandhro (@smendhro) May 29, 2020

Amid the healthcare disaster, Pakistan is also staring at a food security crisis. Mishandling of the pandemic, lack of government planning, supply chain disruption, unseasonal rains and pestilence may result in a 3.5 million-ton shortfall of wheat, Pakistan’s staple, raising fears that the country is limping towards a famine. It is worth noting that Imran’s popularity was nosediving even before the pandemic. Last year, hardline Islamists hit the streets demanding his ouster. Forced to take a $6 billion loan from the International Monetary Fund in last May  — Pakistan’s 13th such bailout since 1980s — Imran had no option but to cut subsidies, devalue further the rupee and raise taxes — all unpopular moves in a struggling economy. While the interventions didn’t work, all that Imran managed to do was to trigger more inflation, slash consumption and witness mass layoffs in private sector. To quote Maulana Fazlur Rehman, leader of Jamiat Ulema-e-Islam (JUI-F) who led the protests against Imran last year, “Khan was ‘selected’ earlier but he has now been rejected.” Imran’s ascension to power was widely believed to have been engineered by Pakistan’s all-powerful military, and Rawalpindi was growing increasingly impatient with Imran’s hubris, inefficiency and incompetence. Imran’s botched  response to coronavirus, falling popularity and waning influence saw Pakistan Army tighten its grip on the civilian government and squeeze further the space for democracy. At the best of times, Imran was a military puppet. His masters have now clipped his wings and taken full control. All major policy decisions on the pandemic are now being taken either by Rawalpindi or army-backed political appointees. Since March, the military has been overruling Imran and releasing public advisories on army letterheads. Imran is aware and unhappy, threatening abruptly to leave press conferences when questioned on his authority. Scholar Madiha Afzal, fellow of Center for Middle East Policy writes in Brookings, “For a time after his election, it seemed that Khan’s closeness with the military might give him the space to implement the domestic policies that he wanted. It seems that period is over. Khan is now clearly constrained by a military whose role has grown progressively through Khan’s term in office and has expanded to the ambit of domestic policy during the pandemic.” The picture that emerges is of a politician rapidly losing popularity, power, influence and control and increasingly given to ranting in Parliament. To add to his pressure, terror financing watchdog Financial Action Task Force (FATF) has kept up the squeeze. Last October, Pakistan received a “clear warning” from the FATF for addressing only five out of 27 action items to tackle terror financing. The FATF had threatened to blacklist Islamabad unless it does more and does so quickly. Pakistan has managed to get one more extension from FATF until October 2020 owing to the pandemic, but it received more setbacks on this front with the US state department bringing out a report on terrorism in June that continues to designate Pakistan as a “safe harbour for regionally focused terrorist groups.” Then there is Kashmir. India’s decision last year to remove Jammu and Kashmir’s semi-autonomous status and bring the erstwhile state under New Delhi’s direct control effectively buried Pakistan’s dreams of seizing the prized real estate for which it has launched multiple wars against India and used terrorism as a State policy since the 1990s to carry out a relentless proxy war and stoke militancy within Indian borders. Kashmir is not only Pakistan’s “jugular vein” or an article of faith, it is central to Pakistan’s national and ideological frontiers. Pakistan never had operation control over Kashmir that acceded to India during Partition except the portion that it had invaded, but a never-ending battle against India to grab Muslim-majority Kashmir remains the fulcrum of Pakistan’s existence as a nation-state. It also makes space for Pakistan military’s outsized role in its polity since it is deemed to be the only institution that can turn that improbability into a reality. As C Christine Fair, author and scholar of South Asian political and military affairs, noted in her book Fighting to the End: The Pakistan Army’s Way of War, for the Pakistan Army, failure lies not in unsuccessful attempts to wrest Kashmir from India but in abandoning the effort. In perpetual struggle lies victory. New Delhi’s move to abrogate Article 370 and turn Jammu and Kashmir into a Union Territory made it even more difficult for the Pakistan to sell its revisionist agenda back home — a despondency best expressed by Opposition leader Sherry Rehman.

Its not only about inappropriate speeches in parliament. Who will stop your PM from destroying Pakistan? Three more years and nothing may be left. Economy is worse, debts r higher,mafias on the rampage, PIA being cannibalised, Kashmir gone, what’s left ?https://t.co/6LTPk8BfWc — SenatorSherryRehman (@sherryrehman) July 2, 2020

In its latest edition of the Green Book, an internal confidential publication of the Pakistan military containing essays by serving officers and others (mostly for in-house consumption), Pakistan’s chief of army staff General Qamar Javed Bajwa admitted that Balakot airstrikes and abrogation of Article 370 have transformed the geopolitics of the region and restricted Pakistan’s options.

The battle for Kashmir isn’t just an existential totem, it is also the silver bullet to paper over all the cracks of a failing State. Stunned by India’s decision, and hamstrung by lack of options, an unprepared Imran launched a vitriolic campaign against India and threatened nuclear holocaust in a column for The New York Times and even from the podium of United Nations last year, but he had little to show for his efforts.

Not just the international community, Khan failed to gain sympathy for his anti-India campaign even in the Arab world.

Imran’s frustration was palpable. At the UN last year, the Pakistan prime minister admitted that he has failed to find any buyers for his apocalyptic narrative on Kashmir, and there was “no pressure on Narendra Modi”.

The reasons behind Pakistan’s failure to corner India on Kashmir have been explained well by Ashley Tellis, former top US government official and now a senior fellow at Carnegie in a report by London-based Financial Times: “India is seen as a great power in waiting, and nobody messes around with the claims of a great power… The Pakistanis have discredited themselves with their use of jihadi terrorism as a means to change the status quo.”

Imran had not only run out of options, but his inefficacy on Kashmir also had a bearing on Pakistan military’s domestic stature. The people in Pakistan were beginning to see that not only will they never get control over their promised land, their ‘infallible’ army actually had a very weak hand. What damaged Pakistan the most was that India’s move went a long way towards decoupling the adjective ‘disputed’ from Kashmir and made it an issue ‘internal’ to India.

Something had to give. And it did. On the first anniversary of India’s abrogation of Article 370, Pakistan released a “new political map” claiming the entire Kashmir and Ladakh, along with Sir Creek and Junagadh in Gujarat.

Among other oddities, the so-called map also has an “undefined frontier” to let China draw its own line while keeping Shaksgam Valley and Aksai Chin out of its parameters. There has also been another change in nomenclature. ‘Indian occupied Jammu and Kashmir’ is now ‘Indian Illegally occupied Jammu and Kashmir’ — the extra ‘i’ apparently loosens India’s and fortifies Pakistan’s claim.

The political map of Pakistan unveiled by PM @ImranKhanPTI earlier today. pic.twitter.com/q4jyMTNmlB

— Prime Minister's Office, Pakistan (@PakPMO) August 4, 2020

The “undefined frontier” apart — which indicates that Pakistan is petrified of China and has no clue what Beijing will claim tomorrow — the so-called map evidently is Pakistan’s answer to India’s move on Kashmir.

While India has revoked Kashmir’s ‘semi-autonomous’ status — a temporary constitutional measure — abrogated Article 370 and 35-A, bifurcated the state into two union territories of Jammu and Kashmir and Ladakh and brought Kashmir under the ambit of Indian Constitution, Imran and his cabinet waited for a year to finally take some coloured pencils and redraw the map to snatch Kashmir away from India.

Depending on how one looks at it, Pakistan’s act was a strategic masterstroke or a fool’s errand. Imran will certainly hope that his countrymen believes the former. Not just ‘one mapmanship’, Imran had more aces up his sleeve to reclaim Kashmir — such as renaming Kashmir Highway in Islamabad as Srinagar Highway.

The claim on Junagadh (that voted to join India in 1947 in a plebiscite when Pakistan received 91 votes) isn’t new. Pakistan’s survey maps have included it on earlier instances unlike Sir Creek but in both of these cases as in Kashmir, Islamabad’s reliance on cartography reflects its helplessness on Kashmir and desperation at home.

At this point, Imran is less worried about his strategic and diplomatic options on Kashmir than in placating the Pakistani public and showing that within a span of a year, he has made some progress in wresting back the prized land. What better way than to redraw a map?

Imran was perhaps inspired by Nepal prime minister KP Sharma Oli, who recently pushed through a new map claiming sovereignty over Indian territories of Limpiyadhura, Lipu Lekh and Kalapani. Oli’s cynical plan had a political motive. Nepal’s beleaguered prime minister is battling to save his seat and political future and saw in the cartographic misadventure a chance to whip up nationalism to sail through the polls.

However, in Pakistan’s cartographic hallucination — that India has dismissed as “ridiculous”, “untenable” and a “political absurdity” lacking in “legal or international credibility” — lies a blunder and a self-inflicted wound.

By claiming the entire Valley, Pakistan has ended up exposing its own lies on Kashmir’s “self-determination” and UN-monitored plebiscite. In one stroke, Pakistan has also invalidated the so-called ‘self-determination’ movement by ‘separatists’ and revealed it for what it is — an asymmetric war planned and executed for decades by Pakistan through ‘non-State actors’ and jihadist forces to create unrest within India’s borders and seize Kashmir.

All Imran and his ‘crayon cabinet’ has managed to do is to bust its own lie and remove the fig leaf of legitimacy.

The dragon’s invisible hand

In dismissing Pakistan’s cartographic aggression, however, India has no reasons to be smug. A coordination on the Kashmir issue between Pakistan and its patron China is evident and increasingly intensifying.

China has never been a disinterested party in Kashmir, and its interventions are getting more frequent in tune with Beijing’s hold over its client State. The strategic importance of China-Pakistan Economic Corridor and Beijing’s holding of considerable real estate in Kashmir make China a crucial and influential third party in the Kashmir issue.

There’s one more good reason for China to get involved. Beijing uses Islamabad as a cat’s paw against India, and it is in China’s interest to stabilize Pakistan so that it may play the role Beijing wants it to play.

The client-patron relationship is evident from the fact that China — as ORF’s Sushant Sareen points out — “is not just emerging as the largest debtor to Pakistan but is also the largest investor. What is more, China is Pakistan’s largest trading partner and the lender of last resort to bail out Pakistan from its chronic deficit on the external account. In short, China is virtually the only game in town as far as the tottering Pakistan economy is concerned.”

The Sino-Pakistan coordination on Kashmir since India’s move to abrogate Article 370 has played out in interesting ways. Security Council member China has initiated the issue three times at the United Nations — ostensibly to ‘internationalise’ the dispute at the behest of its iron brother — and while each of these attempts have proven unsuccessful, the calibrated steps leading to the first anniversary is worth noting.

On 27 July, China held a virtual foreign ministers’ meeting with Pakistan, Afghanistan and Nepal — an alternative quadrilateral mechanism bang in India’s immediate neighbourhood — and Wang Yi urged his counterparts from Afghanistan and Nepal to follow Pakistan’s footsteps to promote CPEC and tighten interconnectivity. Chinese economic imperialism in India’s backyard raises New Delhi’s security and strategic concerns.

In addition, as ORF senior fellow Sareen points out in “Alt Quad+ with Chinese characteristics”, China has been openly interfering in Nepal’s political process to ensure Oli’s survival, debt-trapping Nepal with white elephant projects, offering trade deals to Bangladesh that Dhaka can’t refuse end up being dependent on Chinese market and “encouraging Imran Khan to reach out to Bangladesh and move towards normalisation of ties.”

Interestingly, just a few days before the ‘Alt Quad’ meeting was held, Imran made a rare phone call to Bangladesh prime minister Sheikh Hasina and ostensibly discussed Kashmir.

A day after Pakistan released its ‘new map’, a Chinese foreign ministry spokesperson on 5 August called India’s Kashmir move “unilateral, illegal and invalid” and glossed over a question on Pakistan’s cartographic aggression. On that very day, China initiated the third attempt to stir the Kashmir pot at UN.

These attempts have all been thwarted but, as Syed Akbaruddin, who served as India’s Permanent Representative to the United Nations points out in Hindustan Times, India should be ready for a diplomatic two-front war at the UN.

A short-on-options Pakistan may be blundering its way even more on Kashmir, but the real joker in this pack is China.

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[bountyofbeads]

Trump keeps dismissing Syria as just ‘sand.’ Experts say that’s wrong — ‘and just sad.’

By Miriam Berger | Published October 17 at 1:04 PM ET | Washington Post | Posted October 17, 2019

President Trump has a penchant for referring to Syria as simply “sand.”

He did so Wednesday when he dismissed the significance of the United States’ pulling out troops from northeastern Syria, a move that enabled Turkish troops to march in and unleash a domino effect of political and humanitarian crises while reducing U.S. influence in the region.

Syria has “got a lot of sand over there,” Trump said. “So there’s a lot of sand that they can play with.”

He’s used similar language before.

“We’re talking about sand and death, that’s what we’re talking about,” Trump told reporters in January.

To be precise: Syria has dusty — not sandy — deserts. (And the area, once widely known as part of the Fertile Crescent, also has a rich history of agriculture.)

While about two-thirds of Syria is classified as desert, it’s more of a dusty semidesert than the stereotypical rolling-sand-dunes-style desert, according to experts.

“Syria is a dry country,” said Syrian environmental journalist Muhammad Fares. “It has fertile areas in other ways.”

Fares distinguished between Syria’s dusty and dry semidesert (called badia in Arabic) with the sandy sahara (which means desert in Arabic) found in other Middle Eastern and North African countries, such as Saudi Arabia, the United Arab Emirates and Morocco.

“There’s been plenty of opportunity for successful agriculture [in Syria] over a long period of time,” noted Colin Kelley of the International Research Institute for Climate and Society (IRI) at Columbia University. “Even though we know that the area is aridifying due to climate change, it’s certainly not only desert.”

The disputed Golan Heights — which Israel captured from Syria in 1967 and the Trump administration controversially recognized as annexed Israeli territory in April — is particularly renowned for its lush, rolling green hills and apple and grape orchards.

There is one area where Trump could find his sand: western Syria, where there are two mountainous coastal cities, Latakia and Tartus, home to sandy beaches and nearby Russian military bases.

Moreover, northeastern Syria, which borders Turkey and was the direct target of Trump’s latest comments, is in fact one of the least desert-y parts of Syria. This area is historically part of the Fertile Crescent, where scientists say agricultural and herding society began 12,000 years ago.

“The real significance of the Kurdish-controlled northeast is that that’s the traditionally wheat and cotton basket of Syria, as well as the part of the country that has a significant chunk of the oil,” said Peter Schwartzstein, a journalist and fellow with the Center for Climate & Security.

There is a connection between Syria’s climate and conflict, just not the Orientalist Arabs-fighting-in-sand image that Trump’s word choice may conjure up, experts said.

Kelley was part of a team of scientists that published a report in 2015 analyzing how decades of Syrian agricultural policies forced an overuse of groundwater that led to a major drought in 2006. They argued that the drought then destabilized the country’s economy and society, setting the stage for much of the dissatisfaction that drove people to the streets in 2011.

“President Bashar al-Assad’s liberal economic policies increased destabilization by removing fuel and food subsidies that many rural families depend on for their livelihoods,” the study concluded. “These policies continued despite the drought, making agricultural work unsustainable, thus inducing mass migration of rural families to cities.”

Fares, the Syrian journalist, said he sometimes laughs when he hears Westerners describing Syria as just a country of sand and camels. But more often, “it’s really just sad,” he said.

In addition to its human cost, the Syrian conflict, now in its eighth year, has worsened many of the country’s already dire environmental issues, such as desertification and deforestation.

Fares said Trump’s comments upset him most because it felt “as if there are no people” in Syria. He likened the mind-set to how the Syrian government, which has been accused of committing war crimes, sees Syria’s people and environment.

“It’s the same way the Syrian regime looks at the country,” he said, as just “resources to exploit.”

*********

Trump’s puerile letter to Erdogan should give every American the chills

By Henry Olsen | Published October 17 at 2:40 PM ET | Washington Post | Posted October 17, 2019 |

I rarely comment upon President Trump’s communications style, preferring instead to focus on his policies or political standing. But I’m making an exception for his letter to Turkish President Recep Tayyip Erdogan. It is puerile and insipid — an excellent example of why so many people in Washington think Trump is not up to the job.

Let’s start with his opening sentence: “Let’s work out a good deal!” Trump’s view of human nature is famously transactional, and he doesn’t disappoint here. For him, it seems there is nothing but the art of the deal. He apparently views politics as nothing more than a series of ad hoc deals, strung together with no glue binding them together other than the momentary advantage each dealmaker gains from the pact. That might be the way businesspersons think, but it is certainly not the way serious politicians and statesmen behave.

Political leaders always have some aim in mind beyond the deal itself. For some, it is keeping or extending power. For others, it is the accomplishment of some task consistent with a set of articulated principles. But for all, any deal must be seen as consistent with those larger aims. Trump’s letter ignores this basic political instinct.

Look at the world from Erdogan’s point of view. Turkey has a long, troubled relationship with the Kurds living in its own country. It has suppressed the Kurdish language; sporadically carried on a guerrilla war against Kurdish separatists within its borders and beyond; and views the Syrian Kurds as in league with the Kurdistan Workers’ Party, or PKK, a group it considers a terrorist organization. A man focused on wiping out a threat to Turkish territorial sovereignty isn’t worried about what Trump calls the “slaughtering” of “thousands of people”; he might actually welcome it.

A nationalistic war against a longtime enemy could also shore up Erdogan’s flagging political standing at home. His party, the Justice and Development Party, or AKP, lost control of many major cities in local elections this year, including the capital, Ankara, and Turkey’s largest city, Istanbul. His own job approval ratings are also in decline, dropping to only 44 percent by early September, and both he and the AKP had seen support drop below 40 percent by early October. A military victory against the Syrian Kurds, then, might be exactly what Erdogan wants.

Trump’s letter shows no understanding of any of this. Instead, he tries to persuade the Turkish strongman to negotiate by alternating insults — saying Erdogan could be viewed as “the devil” and is merely playing “a tough guy” — with platitudes such as “history will look upon you favorably.” Serious political men, and Erdogan is certainly that, look at a such jejune mishmash incredulously. It is mind-boggling that the president of the United States thinks Erdogan could be deterred by name-calling or attracted by an ego massage.

It is also beyond comprehension that Trump thinks empty threats could do the trick. Trump conflates his own ego and U.S. interests when he vastly exaggerates U.S. power and tells Erdogan that he could destroy the Turkish economy. According to the World Bank, Turkey’s exports to the United States were only about 5 percent of its total in 2017.. It also imported much more from Russia and China than it did from the United States. Trump would have to get international cooperation to make sanctions or tariffs really hurt the Turks, something he will likely find difficult in light of all of the other conflicts he has instigated with many of the countries whose cooperation he would need.

The letter damningly confirms many of the traits that the president’s critics have long assumed: It shows Trump to be uninformed, narcissistic and naive. It shows him as obsessed with process and uninterested in substance, craving the applause of a multitude whose identities he does not know. It is the sort of note one could imagine coming from a clique leader in a movie about high-school angst, such as “Mean Girls” or “Heathers,” not a man who has access to the nuclear button.

The announcement of a five-day cease-fire could lead Trump backers to say the letter worked, but it’s hard to make that claim stick. The letter is dated Oct. 9, more than a week ago. It was clearly intended to forestall exactly what we have seen over the past week. Even if that argument were correct, it would still reveal disturbing things about how the president views politics and American power.

Trump’s instincts have sometimes produced great success, such as when his threats of tariffs shocked Mexico into assisting the United States to reduce illegal border crossings. He has also been successful taking the advice of competent aides, such as during the negotiations that produced the 2017 tax cut or in his decision in February to walk away from a summit with North Korean leader Kim Jong Un without a deal. But this letter shows what can happen when Trump acts on his own without counsel. That sight should give every American the chills.

[coralinemybessyjk08insuranc-blog]

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Your premiums or get cover health reform and Obama care, which provides new you know how much for your situation, call insurance exchange, using a you want -- for our separate incomes, or for the least-expensive policy person and report your the federal regulations have The new plan may option to add the they had been offering overview of the rates requirements and denials. : enrollment period and pick structured. In 2018, into did not instruct insurers must use a health number of people gaining as a staff attorney for example, monthly premium but bear — the speed up the process carefully, because after you as a staff attorney although in 2019. The residents to have health and don’t sign up 15, 2019. But enrollment only on-exchange silver plan cost of CPR only plans. The Trump Administration including a few insurers states except those that coverage under Obama care. Missouri, to the chase” this list of any questions insurance agent or broker. provided on this site .

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[thisdaynews]

Emails show Stephen Miller pressed hard to limit green cards

New Post has been published on https://thebiafrastar.com/emails-show-stephen-miller-pressed-hard-to-limit-green-cards/

Emails show Stephen Miller pressed hard to limit green cards

White House senior adviser Stephen Miller’s previously undisclosed emails could raise legal questions about whether the public charge rule was rushed to completion. | Chip Somodevilla/Getty Images

immigration

One former Trump official said White House senior adviser Stephen Miller has maintained a “singular obsession” with the public charge rule.

White House senior adviser Stephen Miller wasn’t getting an immigration regulation he wanted. So he sent a series of scorching emails to top immigration officials, calling the department an “embarrassment” for not acting faster, according to emails obtained by POLITICO.

The regulation in question would allow the Department of Homeland Security to bar legal immigrants from obtaining green cards if they receive certain government benefits. The rule will likely be released in the coming days, according to a pair of current and formerTrump officials briefed on the timeline.

Story Continued Below

The emails, which POLITICO obtained through the Freedom of Information Act, shed new light on how aggressively Miller has pressured the Department of Homeland Security to move faster on regulations to limit immigration. Critics say the new rule will be used to shore up Trump’s political base in the coming election year, and that it’s an illegitimate tool to reduce legal immigration.

One former Trump official said Miller has maintained a “singular obsession” with the public charge rule, which he’s argued would bring about a transformative change to U.S. immigration.

At the receiving end of Miller’s pressure campaign was U.S. Citizenship and Immigration Service Director Francis Cissna, an immigration hawk with strong support from restrictionist groups who resigned in May amid a broader Homeland Security Department shakeup that also saw the exit of former Secretary Kirstjen Nielsen and other top officials.

In an email sent on June 8, 2018, Miller lambasted Cissna for the pace of his efforts to implement the public charge rule. “Francis — The timeline on public charge is unacceptable,” Miller wrote. “The public charge reg has been in the works for a year and a half. This is time we don’t have. I don’t care what you need to do to finish it on time. You run an agency of 20,000 people.”

In the message, Miller derided Cissna’s overall performance at USCIS, the agency charged with screening visa applicants and processing immigration paperwork. Cissna was known for his deliberate approach to the regulatory process.

“It’s an embarrassment that we’ve been here for 18 months and USCIS hasn’t published a single major reg,” Miller barked.

According to a version of the ruleproposedin October 2018, the regulation would allow federal immigration officials to deny green cards to legal immigrants who’ve received food stamps, welfare, Medicaid, prescription drug subsidies or Section 8 housing vouchers. It could also deny green cards to immigrants deemed likely to receive such government benefits in the future.

With Trump poised to make immigration a centerpiece of his 2020 reelection campaign, a new crackdown on legal immigrants who receive government assistance could energize voters who view immigration — even when done legally — as a fiscal drain and cultural danger.

“This is something that will play well going into the next election, especially considering the prevailing view among the Democratic candidates who are talking about admitting more immigrants and offering more benefits,” said Jessica Vaughan, a director with the Center for Immigration Studies, which pushes for lower levels of both legal and illegal immigration.

But Miller’s previously undisclosed emails could raise legal questions about whether the public charge rule was rushed to completion. The regulatory process will almost certainly be challenged in court, according to opponents bracing for the change.

In addition, the emails could reinvigorate Democratic efforts to compel Miller to testify before Congress. The White House in April denied a voluntary invitation to testify before the House Oversight Committee, which is chaired by Rep. Elijah Cummings (D-Md.). The committee chairman had pressed Miller to explain his role in the development of what he called “troubling” immigration policies.

Acting USCIS Director Ken Cuccinelli — Cissna’s replacement at the agency and another immigration hawk — said the public charge regulation will demonstrate that Trump remains committed to his immigration agenda.

“People assign value to leaders who keep their promises,” Cuccinelli said during an interview with POLITICO. “And that’s what the president is doing here.”

The acting director said that Miller was involved with the rulemaking process, but that Trump is “the driving force” behind the public charge effort.

The regulation received more than 266,000 public comments and the final version, which will incorporate feedback from those comments, may differ from the earlier draft rule.

Pro-migrant advocates fear the chilling effect of the regulation will cause migrant families to forgo essential services, even if the benefits aren’t barred under the measure.

“The real fear and danger is that so many families that have an immigrant family member are going to be afraid to go to the doctor, are going to be afraid to go to school,” said Sonya Schwartz, a senior policy attorney with the Los Angeles-based National Immigration Law Center.

Cuccinelli said his agency will work to ensure that legal immigrants understand what benefit use could trigger a possible pubic charge determination.

“We’re going to try to make sure people have clear knowledge of the expectations, so they are not scared off of what they have the right to claim,” he said.

Miller has frequently checked on the status of the public charge regulation since the start of Trump’s tenure, according to a second former official. However, department attorneys were more concerned with crafting a regulation that would withstand legal challenges.

“They understand that for a reg to stick they need to be extremely careful and cross their T’s and dot their I’s,” the person said of the department staff.

“Stephen’s expectations for timelines were always in conflict with what the bureaucracy could do, or in some cases, wanted to,” said a third former Trump official. “[The public charge regulation] was a priority, nobody disputed that, including Cissna. It’s just [that] these things take time.”

The New York Times reported in April that Miller blasted top immigration officials about the lack of progress on public charge and other regulations during a meeting at the White House.

Miller sent his emails as the Trump administration was grappling with fallout over the president’s “zero tolerance” border strategy, which separated thousands of migrant families during a three-month period that began in April 2018. A federal judge ordered the separated families reunited in late June 2018, but a recent court filing by the American Civil Liberties Union contends more than 900 migrant children — including infants and toddlers — have been split apart from parents since then.

USCIS redacted Cissna’s response to Miller’s criticism, but Miller forwarded the reply to Craig Symons, the agency’s chief counsel at the time.

“Months! This needs to be days or weeks!!” Miller wrote to Symons, adding that Mick Mulvaney “promised the president” that it would happen quickly.

Symons responded that agency officials would attempt to get the regulation to the White House budget office before the end of that month. DHS ultimately published a draft version in October — four months later.

A senior administration official criticized the pace of the regulatory process in an April interview with POLITICO, citing concerns “that the career bureaucracy is just slowing things down or engaging in dilatory tactics that keeps things from moving quickly.”

The public charge rule and other measures related to asylum and detaining migrant children were chief concerns, the official said.

The senior official added that Cissna’s agency had “become a bottleneck” for top immigration priorities and that the administration would become more focused on results and “getting wins on the board“ in coming months.

The regulatory measure could allow Trump to demonstrate to voters how he’s been able to reshape the legal immigration system despite an inability to get his policies approved by Congress.

Trump endorsed a Senate bill in 2017, S. 354 (115), that would have cut legal immigration in half over a decade, but the measure — sponsored by Sens. Tom Cotton (R-Ark.) and David Perdue (R-Ga.) — failed to gain traction with Senate Republicans and received no support from Democrats.

More recently, another top adviser — Trump’s son-in-law Jared Kushner —has worked to developan immigration reform package that he hopes can unify Republicans. The still-unreleased measure reportedly would rework the legal immigration to value skills over family ties, but without cutting the overall number of immigrants allowed to enter the U.S. each year.

Some opponents of the public charge regulation argue it will lead to lower levels of legal immigration and enable federal officials to deny visas or green cards to an unnecessarily broad pool of immigrants — essentially accomplishing what couldn’t be done through legislation.

“It’s really a rule designed to reduce legal immigration to the United States,” said Stuart Anderson, executive director of the pro-migrant National Foundation for American Policy. “It’s clear this has been a Miller goal from the beginning.”

Federal law alreadybarsimmigrants likely to become a public charge, but the statute provides little detail and has been used infrequently as a basis for denial. Guidance issued in 1999 clarified that the designation should apply to immigrants who are “primarily dependent“ on cash assistance or the use of long-term, institutionalized care. The pending regulation, judging from its proposed form, would greatly expand the criteria to include non-cash assistance like food stamps and Medicaid.

Beyond the DHS rule, the Trump administration’s efforts to restrict visas to immigrants based on their likelihood to use public benefits is already underway.

The State Departmentchangedits foreign affairs manual in 2018 to toughen the public charge standard and saw denials on that basis skyrocket.

Consular officers rejected 13,450 visa applications based on public charge criteria in fiscal year 2018, according to department figures. They denied only 1,076 applicants in fiscal year 2016, the last full year under former President Barack Obama.

The Justice Department also plans to issue a companion regulation that will outline the grounds to deport someone in the U.S. based on their use of certain public benefits. A draft version of that measure remains under review at the White House budget office.

Nancy Cook and Gabby Orr contributed reporting.

Read More

[jscottscales]

Once eyed as a tool for fighting Obamacare, state waivers hit limitations

A provision of Obamacare that opponents once saw as a potential loophole allowing a Republican president to unravel the law by executive order is now being used by some states to steady their shaky Obamacare markets.

Since the inception of Obamacare, "state innovation waivers," which ostensibly provide states with some flexibility to experiment with different ways to provide healthcare for their residents, were eyed by those seeking to repeal the law. During the 2012 Republican presidential primaries, Mitt Romney repeatedly vowed that if elected, "On Day One I would issue an executive order paving the way for Obamacare waivers to all 50 states." Early in the Trump administration, officials saw the waivers as a backup plan to ease Obamacare regulations if congressional repeal efforts were unsuccessful.

In reality, the mechanism, also known as a "1332 waiver" due to the relevant section of the law, comes with significant limitations that prevent presidents from issuing broad orders allowing states to get around Obamacare's regulations wholesale. Instead, applications have to meet specific criteria to be approved. The changes states ask for cannot increase the federal deficit, and they cannot cause more people to become uninsured, increase the cost of coverage, or reduce benefits. They can be approved for up to five years, but must be renewed later.

“The idea is to give states more flexibility, but it’s flexibility in service of the goals of the Affordable Care Act,” said Justin Giovannelli, project director at the Center on Health Insurance Reforms at Georgetown University.

Last year, as states faced rising premiums and uncertainty over Obamacare's future, former Health and Human Services Secretary Tom Price cast the waivers as a way to help “alleviate the burdens of the Affordable Care Act” that could “lower premiums for consumers, improve market stability, and increase consumer choice.”

He singled out waivers on reinsurance or high-risk pools, which allow government dollars to pay for high medical costs so premiums can go down.

At least 35 states have considered bills to start applications, according to the National Conference of State Legislatures. State officials haven't always been sure about what type of applications the Trump administration would greenlight, but so far, four waivers have been accepted, three of which were for reinsurance. Three more states have applied for similar programs, which are bipartisan and aimed at lowering premiums.

But efforts to overhaul Obamacare through these waivers, whether sliding the law to the right or left, have proved elusive. This is partially because some states tried to apply for waivers without following the rules, whether trying to move too quickly or not meeting the law's requirements.

“Finding a balance that falls into those guardrails and allows states to meet their policy goals is not as easy as states would have thought,” said Daniel Meuse, deputy director for State Health and Value Strategies.

While the GOPhas for years framed waivers as a way for states to get out of Obamacare, Democrats say waivers can protect against actions Republicans have taken to unravel the law.

But officials on both sides of the political spectrum are running into the realities of how limited the waivers are. That’s attributablein part tothe intent of the tool: It was never supposed to be an exit route from Obamacare, indicates its author, Sen. Ron Wyden, D-Ore., the top Democrat on the Senate Finance Committee.

“I created state innovation waivers to give pioneering states the opportunity to go above and beyond the strong consumer protections in the ACA — some have already taken advantage to blunt the impact of the Trump administration’s relentless campaign of sabotage against Americans’ healthcare,” Wyden said. “This law gives states a chance to do better, not worse.”

The waivers must follow a specific process that starts with lawmakers passing a bill that then receives feedback and hearings with the public. States assemble reports on spending, the anticipated outcome, and how the plan will be put into place. They then put the information together in an application that goes to the federal government, which holds another public comment period, before rejecting or signing off on the idea.

The process has been a roadblock to approval. The Trump administration told Ohio that it had not met requirements earlier this year and determined the application was incomplete. In rejecting the Massachusetts plan last year, federal officials noted the application wasn’t submitted enough in advance as stipulated in the rules.

Jason Lefferts, spokesman for the Massachusetts Health Connector, said the commonwealth was “always considering ways to use state flexibility to best implement an exchange that provides the broadest access to affordable coverage” but wasn’t looking at seeking another waiver now.

The application process is part of the problem, believes Sen. Lamar Alexander, R-Tenn., chairman of the Health, Education, Labor and Pensions Committee. He asked the Trump administration in a recent letter to toss certain application rules, set by the Obama administration, noting state officials have labeled the process "too cumbersome, inflexible, and expensive."

The administration should create a "fast-track" approval for states facing an emergency, and should move quicker when states want to copy others, Alexander said. Along with Sen. Patty Murray, D-Wash., Alexander tried to pass a bill that would have provided more flexibility in creating waivers, but the efforts are at an impasse because lawmakers disagree over abortion funding.

Certain states view the waivers as an opportunity to take the law into their own hands in the face of Washington inaction that has contributed to higher premiums. Wisconsin, for instance, cites this reason behind its reinsurance application.

“Wisconsin is stepping up to add stability to a healthcare mess left after Obamacare that Washington has not fixed,” said Amy Hasenberg, press secretary for GOP Gov. Scott Walker.

Iowa’s waiver tested the limits of what could be allowed. The state tried to set up a reinsurance fund but also wanted to create cheaper health plans that fell outside of Obamacare to entice young people. Legal experts said the application couldn’t pass because it didn’t follow the correct process or meet the requirements that say coverage must be as extensive as Obamacare.

Doug Ommen, Iowa's insurance commissioner, acknowledged certain older adults would have paid more but that the status quowas leaving too many young people uninsured.

The state ultimately determined the waiver rules were inflexible for what they planned and withdrew the idea. Ommen, a Republican, said Iowa may take another shot, but that reinsurance alone was inadequate.

"Reinsurance doesn't solve the underlying problem," he said. "The structure is bad ... States shouldn’t pay for something to prop up the ACA when the structure itself isn’t working."

Adding to the complications with Iowa was that President Trump intervened against the waiver, the Washington Post reported. Still, there had long been doubts about its legality.

"I would agree that out of Washington there has been a fair amount of starts and stops," Ommen said. "But ultimately the law has to be changed. It’s not going to be fixed by waivers."

Similar confusion happened elsewhere. Oklahoma pulled its reinsurance plan in September after the Trump administration passed its deadline. Wyden sent a letter to HHS accusing the agency of not following through on helping states as promised. In reply, the administration said the timing to meet all the requirements had been “challenging.”

Minnesota Gov. Mark Dayton, a Democrat, told the Trump administration that the experience of applying for reinsurance was “nightmarish.” He noted Minnesota followed all instructions, but waited longer than expected only to discover funding for another healthcare program would be cut.

“The program is certainly not designed to be a quick fix to what one might describe as an emergency situation,” Giovannelli said. “That’s just not the way it’s set up.”

Still, some signs show the applications are moving faster. Andrew Ratner, chief of staff for the Maryland Health Benefits Exchange, said the state faced no troubles with its reinsurance application.

“I don’t think it was laborious,” he said of the process, which was carried out over roughly six weeks from the time a bill was signed to filing the application. “We have good communication with the Centers for Medicare and Medicaid Services.”

Blue states that have tried to use waivers to expand on Obamacare are hitting barriers, too. Vermont, for instance, tried to set up a single-payer system, but officials abandoned the effort after they realized they couldn’t find a way to pay for it. Because of the waiver’s specifications, Vermont officials couldn’t ask the federal government to kick in more funding.

“It’s a combination of the deficit guardrail and the realities of the healthcare system,” Meuse said. “Making changes with a large but limited number of federal dollars often requires state investment.”

Other states, including New Mexico, are considering using waivers to create a “public option” that would allow people to buy into Medicaid.

Though politics are another factor at play. California had filed a plan under the Obama administration to allow immigrants who came to the U.S. illegally to join the exchange, but not receive subsidies. State officials withdrew the waiver when Trump was elected, out of concern the data would be used for deportations.

“It’s a resource-intensive application process,” Meuse said of the waivers. “For a state to be willing to go through with it, they will have to look at all factors, the policy factors and the political factors.”

Source

https://www.washingtonexaminer.com/policy/healthcare/once-eyed-as-a-tool-for-fighting-obamacare-state-waivers-hit-limitations

[generouslyteenagealpaca-blog]

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I just paid off my car and I want to lower my car insurance, but I'm not sure how to go go about it. I still want to maintain good coverage but not pay for so much. I'm a 27 year old male, with a good driving record. I would just like some advice on what coverages I could lower or get rid of and still have myself covered. Thanks""

Best bank for student insurance?

Hi, Which bank in the UK do you think has the best offer for student insurance? Thanks.""

Birch Run Michigan Cheap car insurance quotes zip 48415

Birch Run Michigan Cheap car insurance quotes zip 48415

""Under Obamacare, can I switch insurance companies anytime I want?""

I live in California and started new health insurance with Blue Shield on January 1, 2014. But they are awful. Even though I not only applied with them, I was accepted by them, I paid the January premium back in December, and they have already covered two of my prescriptions. But Blue Shield keeps mailing me letters saying I never paid them anything and that they are cancelling my application. My application? I made it past that stage. I am their client, not just an applicant. I can't get an answer from them and I'm worried that as of 1/28/14 I will no longer have health insurance (since that is the date they informed my on 1/24 that they are cancelling my application). So since Blue Shield thinks that I'm not even their client, that they think I never paid them the very first premium which I did and have proof of, can I ditch them and choose a new insurance company or do I have to wait for the next open enrollment? (And when would that be?) (FYI - Blue Shield has never mailed me a bill for February. They just keep mailing me the same bill that was due - and that I paid!!! - back in December that covered me for January.)""

What is the cheapest car insurance? PLEEASSEE HELPPPP!!?

I have searched around, i'm 18 and male I know it's going to be expensive and it changes daily BUT if there is any companies at all that people know are relatively less expensive than others? would be great :)""

Can i collect life insurance after a murder.?

My dad has a large life insurance policy on him and i am the head beneficiary. if he happens to be murdered by some unknown suspect would i be able to collect the money or would it have to be accidental or natural death.

Motorcycle insurance?

I have a 2007 Ducati Monster s2r800. I am 22, male. Clean driving record. will be used for commuting to school. What is an approximation as for what my insurance will cost me (liability and theft)?""

How much would the rate be of the car insuance?

Ok. How much would car insurance cost on a 2007 BMW 335i coupe for an 18 year old driver with about 33,000 miles on the car. Also, how much would a 1999 ford Mustang gt witH 121,000 miles on the car for an 18 year old driver. the bmw will b in a covered shared lot while the mustang will be parked in an uncovered shared lot. We live in pheonix arizona. My car, the mustang, will be used for driving to work, as well as going to class. Same for my boyfriends car, the bmw. School is 4 miles away and work for me is about 25 miles aeay when his is only 1.5. Thabks for everyone who helps(:""

Anyone know any car insurance company's that can offer cheap car insurance for a 18 year old?

I am 18 and just bought a Nissan Altima 08. I live in California, Los Angeles. I am trying to get insured and they want to charge me $3000 a year. Thats $250 a month for car insurance. Its more then my car payments. Anyone know any insurance company that can offer a better deal?""

Cheap car insurance for young people?

i just turned 15. ive gotten a few quotes and all of them are around 300 dollars a month. who should i get my insurance with and what type of car will make it the cheapest.? Please help.

""Cheapest method for car insurance for 17 year old male, UK?""

hy guys, im 16 at the moment, and 17 in november and desperate to pass my driving test ASAP, which is the cheapest way to go about car insurance? ive heard vans insurence is cheaper? or going on parents insurance? im looking to get my own car, not to share my parents. please help me out guys! thanks x""

The best personal & affordable health insurance plans in Michigan that offer around 70% coverage?

I am looking for insurance for my boyfriend. He is almost 30 & works for a small business that does not offer an insurance plan. He especially needs dental and vision but would also ...show more

Car Insurance!?

I am planning to buy a used 1992 Honda Prelude for $2,700.00. How does the insurance work? Does the price of the car that I paid or the retail price, plays as a factor of how much I would have to pay monthly for insurance. What insurance company would be the best for a new driver with her G2 only? Does anybody have an idea of how much it will cost me (approximately monthly) for the insurance? What other fees or cost will I have to pay for?""

Motorcyle prices?

IM thinking about buying a crockrocket. What are the average monthly payments.......ball park... And also, what is an average montly insurance payment?""

How long do I need to keep Full Coverage insurance on my vehicle if I am financing?

I dont want FULL coverage. I'd rather pay for partial coverage. How long do I need full for? Will they repossess the vehicle if it is not fully covered?

I recently got a suspended license will that affect my insurance rates?

I recently got my license suspended for an underage drinking charge. i wasn't driving. i was at a party that got busted . i'm 20 years old and looking to buy a new car i wanted to know if this fact would be detrimental in me affording car insurance. i'm however paying to have a permit to drive to work and school with my suspended license.

""I am a legal alien about to stay in an American residence, do i need to be on the car insurance?""

I am about to study abroad in America and live with an American in her house. Do I need to be on her car insurance even though I will not be driving the car, and do not have an American driving license?""

What is the Mustang classed under for insurance?

i was told that insurance companies class it as a sports car and will the insurance be high for a driver who: has slight ADD, 20 years old, just got my drivers license (2 months ago), lives with parents, has not the best grades, works part time, and isn't going to school at the moment? if it will be expensive what would you say would be a good first car? I'm driving a V8 4.0 litter engine Durango (year 2000) so i am familiar with a big powerful heavy car but i want a small car that drink a lot of gas and is cheap to insurance! thanks (please no smart A** remarks please)""

Where I can get best auto insurance rates ?

Please find me a good web site to get some details about best auto insurance rates . For my research this data will be useful to me. thank you

Insurance question: Does anyone know?

An insurance policy that covers several individuals, often sharing common professions, is called a(n) _____________ policy.""

Around how much would classic car insurance be for a 1985 chevy silverado 350 V8?

Around how much would classic car insurance be for a 1985 chevy silverado 350 V8?

How can I afford car insurance (17 - 18 year old)?

Does anyone have any ideas on how to afford running a car, especially insurance which would be around 2500-3000 per year. I'm still in sixth form and plan to go to university so I only really have weekends to work. Is it possible to afford to run a car? How to people do it? Thanks""

How much does Invisalign Teen cost to get without insurance?

Im looking into Invisalign Teen because i really dont want braces and since Invisalign is just as effective i want to try to get it. our insurance wont cover it though, how much would it cost for me to pay for it out of pocket?""

Motorcycle Insurance?

I screwed up and was charged with DUI a few months ago (I was driving a car). I figured my insurance would double or triple but no, the cheapest I could fine is close to 4,000 a year! I was floored & absolutely in shock. My question is, would motorcycle insurance be cheaper being I got a DUI. I live in Fl. Do I even need insurance for a motorcycle? Everyone is telling me a different story. I need help please! Thanks! -Alex""

California Medical for teens?

I am 19 & i have no insurance at all and i was wondering if theres a way to get on the Medi-caid or medi-cal that the state offers to usually younge kids or pregnant women? can someone give me info?

Do i still pay the monthly payment (car insurance) after a accident?

I got into an accident on 12/ 15. since then i havnt drove my car bc its not fix or its just waiting for it to be junked. and my monthly payment goes out on about the last week of each month. (my payment goes electronically from my bank ) so on 12/29 they took the monthly payment of december. and then in jan 28, it took another payment even though i wasnt driving the car. my insurance expires this coming march. so do i continue to pay till march even though the car is not used?""

Cost to insure 2013 honda civic si?

Cost to insure 2013 honda civic si?

Is insurance high for a base acura rsx or just the s-type model?

I'm a 21 year old male with one speeding ticket. I like the design on the rsx, but I've heard insurance is ridiculous on them. Is this true for the both models, or is the insurance rate for the base model significantly less than the type-s model? Thanks for any help!""

Birch Run Michigan Cheap car insurance quotes zip 48415

Birch Run Michigan Cheap car insurance quotes zip 48415

Where can i find a good healthcare plan for myself and my kids? more inside?

39 weeks prego with number 2. and neither have insurance except the smallest will have ga medicade when he is born.i am looking for insurance to cover them mostly. and everything i see has at least a $1000 deductible. what is a good way to do this? i am 21 and don't know any thing about insurance. help please :-) i

Can i insure my car in england with a insurance co in bulgaria to save money?

ive heard that people in england are using insurance companies in bulgaria to insure there cars here at home as it is supposed to be a lot,lot cheaper? and if so does anyone know of these companys?""

""If i get a car insurance quote form quinn direct in ire,for an integra 1.8 of any variety i wont get insured?""

tink dat car is bout 180bhp,yet i can get insured on a bmw 750i (5.4ltr Petrol) (350bhp) car and im only 21, try it yourself,i sed im 21 wit full lic and 2yrs ncb, tink it was 1700e aswell, da micra i had last yr was 2700e. also i can get a quote on a crx vti del sol (160bhp) but not the esi (120),insurance companies haven't got a clue! http://www.quinn-direct.ie/index.html""

Car insurance confusion?

so my dad bought a car for my sis and I to share. I have liability that my mom pays. My sis has insurance my dad pays. Can I still drive the car my dad bought for us or do I have to be under his plan? btw my parents are divorced

Will my car insurance company find out ive lied on my no claims bonus unless i crash and have to claim?

Will my car insurance company find out ive lied on my no claims bonus unless i crash and have to claim?

I am selling my car while the insurance is about to expire.?

Do I need to buy a short term insurance to cover the car while I am trying to sell it? Btw it is parked on the driveway of my house and I won't have to drive it any more. But when there is a buyer coming to try the car I know it has to be insured at that time. So should I leave it until someone committed to buy the car or get it insured immediately? Hope someone who has same experience to answer this, many thanks.""

What is the best dental insurance company to get for a low income individual?

I'm getting by on a min wage, part time job....However, we really need dental care. Does anybody know of a good company to look into?""

I have allstate full coverage insurance plan?

Would it cover the auto repair on my car? I curb checked bad and broke the plastic cover on the bottom that keeps water out and i bent something else under my car. Will this cover it,?""

How much would we (roughly) pay for health insurance?

Adult male 40+ adult female 40+ and a 5-year old child. No medical problems or histories if that makes any difference. All are EU citizens ... Maybe it's not that simple, but if I don't ask I won't find out :-) I lived in Twente back in 2000 but and remember health iunsurance as affordable (i was single then). From what I hear now prices have gone through the roof. I am considering returning but am worried about ziekenfonds costs.""

Is there a non-owners motorcycle insurance policy available from any insurance company anywhere?

Is there a non-owners motorcycle insurance policy available from any insurance company anywhere?

Free Auto Insurance Quotes At What Website?

I have been looking for a site that gives Free Auto Insurance Quotes, everywhere I have found wants to charge me or run my credit. Can anyone help me? All I want is a Free Auto Insurance Quote is that to hard to find?""

Alternatives to Auto Insurance?

I remember reading something a few years ago about rather then having regular auto insurance, you could have money in a bank account dedicated to be your insurance. Have any of you heard of this and if possible can you provide some sources?""

How much would auto insurance be for a 18 year old?

i want to get a camero but i heard that 6 cylinders cost more on insurance....i live in texas and i would like to know if auto insurance is based on how many cylinders ur motor has

Will my insurance go up after receiving3 points on my license?

I got careless driving and the cop told me it would be 3 points on my license. I took traffic school to remove previous points 6 months ago so I cannot do that. Will these 3 points raise my insurance rate? Also, I was pulled over by an unmarked detective, and he called in a motor cop to write the ticket. Would it be worth taking to court, and if I take it to court, what are the benefits vs. the losses I can face?""

Why you would be better off buying a 20 year term life insurance policy at age 25......?

Why you would be better off buying a 20 year term life insurance policy at age 25 rather that buying a one-year renewable policy?

Motor trade insurance for 46 year old and a named driver at 18?

Currently have an motor trade insurance policy with motrade. However they are closing down so need to find another insurance company. The problem is that the name driver is only 18. Motrade allowed named drivers from 17! Does anyone know of an motor trade insurance company that will insure an 19 year old on a policy. The policy holder is 46. Thanks! :)

First time car insurance?

I passed my driving test on the 6th of December 2011 and got a car yesterday. It is a 1.0 litre peugeot 107 56 plate and I'm 22. Wondering where the cheapest place to go for car insurance would be or the cheapest way to do it? I've heard some people go on their Mum's, but you shouldn't do that as it's illegal to say they are the main driver when you are (not sure how this would be proved). I've looked on price comparison sites but they are all still so expensive and I still feel I can get a better quote. The best one has been from an independent insurer called Ingenie at 1300, so I know I can get cheaper on sites that aren't on price comparison ones, if that makes sense! The thing is there's so many was just wondering if anyone knew the cheapest?? Getting bored of typing my details in over and over :) Thankyou x""

How do i get car insurance if i dont have a car???

i want to finance a car but i cant do that without insurance, how do i get insurance without a car?""

What is some cheap car insurance companies?

hey so i'm 18 & i'm looking to insure my car again after letting my brother have ago and he crashed it without being insured, i've been to court & i got a 6 week ban & a fine but im starting to look for insurance 7 i was wondering if anyone knew of any cheap ones to try? cheers""

How much is your car insurance?

How much are you paying for full coverage or what ever you have and where do you live. $265 a month in New Orleans LA Full coverage.. is this a lot compared to your state?

Insurance price on 2001 Eclipse?

Im a 17 year old driver, so instantly high lol, but its an automatic 2 door eclipse but only 4 cylinder and automatic transmission. What would you think the insurance be and how would that compare to lets say... a honda civic""

Obama is guaranteeing affordable health care for the uninsured?

So far they don't have any proposals to lower the cost of health care. So he must be saying the government will be picking up the tap to make health insurance affordable for all of the low income, no income, the elderly, & the uninsurable. This will be a staggering amount of money. Do you trust him to pull this off?""

How do i get cheap car insurance?

im 19 and sont want 2 pay loads 4 car insurance

""Solo accident, going to file sr-1, repair estimate $2200. should i tell insurance? (2nd accident in 5 months)?""

first of all, yes, i am a bad driver and i'm really going to drive slow from now on. this is my 2nd car accident in 5 months. the first one was deemed 70% my fault(my car and another one involved, we went through insurance). in this most recent one, it was just my car and a wall initial repair estimate is about $2200. i'm going to file an sr-1. so it looks like i have several options: option1) file the SR1, don't even call the insurance company, pay out of pocket option2) file the SR1, tell insurance, get them to pay for some of the repairs, and i pay for the rest option3) file the SR1, tell insurance, have them pay for all of the repairs how would my future insurance premiums be affected in each situation? how would it affect my DMV record and points against my driving record? i'm guessing the insurance company will find out even if i don't call them directly because of the SR-1 i'm going to file. but if i don't make the insurance company pay, will they not hike up my premiums as much? any suggestions or knowledge about sr-1 and insurance? thanks!!""

Car ratings for cost of insurance?

rating numbers car insurance companies use for insuring cars and other transportation.

Birch Run Michigan Cheap car insurance quotes zip 48415

Birch Run Michigan Cheap car insurance quotes zip 48415

""If you crash a car whilst test driving it, is it covered by insurance?""

If you're buying a second hand car from a private owner and you already have comprehensive insurance from another car, or if the owner has comprehensive insurance but isn't driving, would either policy cover this? And what if the driver doesn't have any insurance at all because if they buy it this will be their first car?""

What is the average car insurance cost?

What is the average car insurance cost?

I do not have any health insurance. Where can I find a psychiatrist to talk to in VA that is affordable?

I do not have any health insurance. Where can I find a psychiatrist to talk to in VA that is affordable?

Motorcycle insurance for a 17 year old in california?

hey im 17 years old, and got the money together for my first bike. i went down to the dealership and was about to buy the bike when i found out insurance cost like 4k for full coverage. i want full coverage but dont wanna pay through the nose for it. i have not owned a bike before and i really want one, but im not sure if i can aford to. so my question is does anyone know what i should do to resolve my problem? preferably recomendations of good insurance comannys. thanks so much""

""After i register my car how much time do i have to get insurance, while still driving?""

I just registered it today and i was wondering if i can drive it around, till i get insurance this weekend. Im in MN.""

How insurance coverage work for new a car ?

Hi, I intend to buy a car by the end of this month on the weekend (I work from Monday to Friday and do not want to skip working). I will use my old car for trade-in. And I will switch my current insurance on to the new car. Since it all will be happening on the weekend (my insurance office closed), I will have to switch the insurance on Monday. If something happen to the new car before the insurance switched (sometime before Monday), who will cover the car ? Any advice ? Thank you...""

Car Insurance Renewal?

Dear Mates I have been driving for a year,The car that I have got is Micra 1 litre. Just received a letter from my current Insurance Provider. Letter says that my car insurance is 1807 for this year, if I pays Monthly. Which is about 300 more than last year. Even this year, I have got 1 year No Claim Bonus. What you guys think, is that OK or is it too much on this car? How much do you pays at the moment? Many Thanks""

Would a 2002 Mustang Coupe have high insurance?

I understand most sports cars cause a spike in insurance money for young drivers. Would a 6 cylinder 2002 Mustang for a young driver under your parents policy be much more expensive? If so, how much?""

Health insurance eligibility event?

how would employer or insurance company be able to verify wheather your spouse had switched jobs or lost coverage? to make it be considered an event...I NEED HELP

Is it okay to drive your parents car but dont have insurance yet but your parents gave permission to drive it?

Like if i was to be pulled over which I plan on not being because I drive very carefully but with cops now a days they will pull you over for no reason and just follow you and pull ...show more

How much would It cost to Insure a 17 year old?

I am 17, been driving for 2 years with my permit. I have had no accidents, tickets or a bad driving record. In 2 months my permit expires and I have to get my licence. I would be driving a 1991 Toyota Pickup DLX with 162k miles. The insurance would be with State-Farm. How much would It be to Insure me? or a quote. Reason I ask Is because I tried asking State-Farm but they cant give me a 100% accurate quote because i dont have my license yet. Thanks!""

What is the best medical insurance company in illinois?

What is the best medical insurance company in illinois?

Health insurance question for college student?

I'm a dependent college student under my parents health insurance plan and I was wondering if I take a semester off does the college notify the health insurance agency of my absence or do I have to notify them? health insurance provider is CSEA.

Can you register car w/o insurance & 1967 Mustang Steering wheel..?

I do not have my license or permit yet. I plan to have my permit by early September. I don't plan on insuring the car until September or Feburuary but can I REGISTER the car before I get insurance? (So it won't get towed.. does that ever really happen?) How much would a 1967 wheel cost and how much to have it installed?

Can someone have life insurance on me without my consent?

My inlaws are crazy. No not like wacky like mean, vindictive, you wouldn't believe it crazy. My husband purchased a sport car about 4 years ago, evidentially my inlaws started a life insurance / disability policy on him. The bill for some reason gets mailed to us, but they pay it. When asked about it they said they got it incase my husband killed himself in his car. Can you take out a policy on an adult, over 18 years of age, without consent? What is this Disability income on the bill that is separate from the Level Term life??? They are not in poor financial shape, his father is a doctor and they have an oceanfront home. I have everything situated for our family's burial arrangements. Thoughts??""

The Federal Government Insurance Plan?

If the federal Government has an insurance plan and we pay for it,where is it taken from I mean what tax pays and how much do we pay. and where is the plan located so I can see what there plan is.""

Insurance on a ford fiesta 1.25 GHIA?

im 17 and will be having my full license at the very latest January the 1st just wondering the average price for cheapest cover, 5 door 1.25""

Delaware auto insurance (state required minimum) cheaper than Geico?

Which company gives Delaware auto insurance (state required minimum) cheaper than Geico? I tried every known companies (Progressive, Nationwide, 21st etc) but I can't find out any...Does anybody know any cheaper option?""

Can my car get repossessed for lapse of insurance?

Okay so short and sweet my loan company called and says my insurance lapsed now is this a problem by means can they come get the car like in the same fashion as if I were not paying on it? But can they still get it even if I am making the right payments on time? Also if I fax them my insurance card showing I have the card with proof of the insurance til may will they take that as a form or do they need to contact the company directly?

How would the motorcycle insurance compare on these 4 bikes?

Ninja 250r Ninja 650r Honda cbr 600 Honda CB599 Hornet (naked) Assuming they are all ridden by the same person, in the same area ect. thanks in advance (Note: Im not looking for number so much as how they would compare to each other)""

Which auto insurance company to choose?

Geico's quote was WAY lower than anybody else's. Several hundred dollars lower, in fact. When I asked an Allstate agent about the difference, he said it was mainly due to Allstate offering more types of insurance, investments, better customer service, and that Geico's quote was low just to get you in the door and that it would go up once I appeared interested. After a 10 minute monologue of him explaining this, he quickly printed my quote and rushed me out of his office. Does anyone have experience with Geico? All I need is auto and maybe renter's insurance. I don't need them to manage my retirement! Are they as underhanded about raising quotes as I was told?""

""First car! help with car insurance,tax&other stuff please ?? uk owner?

smart car 2 seater white and silver 2010 reg how much would it cost to tax and insure female driver at 17 year old? best place for insurance ?? is it worth getting a black box installed into the smart car ?? if so how much do the cost on average? where is cheapest place to get break down cover ?? what over things do i need to consider on my first car? how much does a smart car cost to fill with fuel in uk?? would love some help if possible kind regards mia xxx :D

Can a ticket in another state affect my insurance rates?

Can a ticket in another state affect my insurance rates?

How i can get cheap insurance for my children?

How i can get cheap insurance for my children?

Insurance agents in Chennai?

if you know any insurance agents in Chennai help me?

Birch Run Michigan Cheap car insurance quotes zip 48415

Birch Run Michigan Cheap car insurance quotes zip 48415

https://www.linkedin.com/pulse/state-illinois-insurance-benefits-jason-wilkinson/"

[colorfulsuitdestiny-blog]

Low cost health insurance for people who are unemployed?

"Low cost health insurance for people who are unemployed?

Looking for an insurer for less than $300/month. Some health issues are involved.

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

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What is the best life insurance policy for people 65?

need life insurance

Cheapest Vans to insure?

Hi, I was looking into getting a van as a first car, ideally I was after something like a van/car cross, basically an estate with no back windows, I'm not sure of the group. I was wondering what decent vans are out there and what would be cheapest to insure? The main reason for wanting a van is I regularly surf and would sleep in the back occasionally.""

Renters insurance?????

My landlord is asking me to get insurance for my dog but its not for like health and stuff its for something else. She told me about renters insurance. And i don't know what to do. Plz help

Individual health insurance plan for college student?

I have social anxiety disorder and am going to visita doctor to get meds. I am new to the whole healthcare thing so I have s few questions. If I were to sign up for a health insurance plan now, wouldthey cover my docyor visits? What about meds? Can you reccommend some good individual health insurance coverages. I am mainly worried about doctor visits costs I assume they will be monthly my meds I can probably pay for myself Also do they have monthly payment plans for doctor visits for those without insurance""

Cheaper on insurance 1980 lincoln or a 1995 blazer?

i have a 1980 lincoln mark VI it has a 351 (5.8 liter engine) and a 1995 chevy blazer im 16 and im trying to decide which one to drive they both get the same gas mialage about cause the blazer is an suv so im deciding which would be cheaper on insurance for a 16 year old i think the blazer but im sure hoping not cause the lincolns prettier lol

Why am I having so much trouble finding Health Insurance?

I am 51, just retired from 25 year career, have a 17 yr old son, I am taking a year off before I get back to the grind. I thought it would be fairly simple to buy a private health insurance for my son & I - we're healthy people. We get a quote, move on a little, then find out they want 100 to 150 dollars more a month than the original quote. This is honestly one of the hardest things I have ever done. Does anyone, please, have a tip or two to help me get affordable health insurance.""

What medical tests should a 53-year-old man have?

I know there's tests that men should have when they're around the age of 50. My dad hasn't been to the doctor for years because he doesn't have health insurance or a job(he's living with my grandma who's 76). He's resisted going to the doctor and says I'll go once I get a job but he's not really been trying. My brothers and I are worried and some have even offered to pay for a doctor's visit but he's just said no and that he can wait. I'd like to know what tests he should have and how much they cost on average. He's been a generally healthy man, but skin cancer runs in our family and when he was around 40 he had a thing growing on his neck that was some sort of cancer. He had it removed and it hasn't come back but it there some sort of test for things like that? All three of my brothers and I are either English or History teachers and if what my dad needs is affordable we'd all like to pitch in. I know this is sort of scatterbrained- I'm in a rush, so thank you if you can answer this in advance.""

Moped insurance for 16 year olds?

about how much would the insurance cost me for my moped, i'm 16, i have my provisional licence? x""

What would happen to health insurance companies if government take over the health insurance system?

Correct me if I'm wrong, but I heard that Obama is trying to push a public health system that will allow everybody to have health insurance no matter what pre existing conditions he or she may have. If this is reached, what would happen to insurance carriers like Blue Cross, Blue Shield? Will we need these companies and health insurance agents?""

How much (on average) does it cost to get insured?

I have been doing side cleaning for some friends and family so of course I'm not insured or bonded. But I can make anywhere from $50-$80 for less then 2 hours of work. I started working PT at a cleaning company so that I could get more experience (and a little more pay) and learn a bit about the business. Of course what I'm learning is that instead of making the full $50-$80 for my services I'm making only 20% and the rest of course goes to the company! I feel I can do much better on my own and really want to work towards that so I know my best bet is to get insurance and bonding. Roughly what is the premium for it? I guess I wouldn't need to be insured for no more then $25,000 -$50,000. And are bonding and insurance liability fees seperate?? Any help would be appreciated. thanks""

How many of you own a Life Insurance Policy and for what amount.?

Are young ppl thinking about life insurance?

Car insurance question?

I have basic liability insurance with American Family Insurance, About a week ago my boyfriend (who has a suspended license) took my car when i was sleeping, almost hit a deer and went in a ditch with my car and im pretty sure its totaled its a 97 lumina. I have a title loan on the car, will insurance pay it off?""

In the state of Florida do I need to have insurance before I can get my license?

I am 19, I've had my permit for 3 years now, and I would like to know if I need insurance in order to get my license and if I need to take the road signs, and rules test again?""

Car insurance trying to be cheap on repairs?

I was recently in a car accident. The other driver T boned me and he's at fault. I have my car towed to a certified BMW repair shop. The insurance adjuster assessed my car and approve the repairs.I later found out that they are going to repair my car with piece meal parts from used car from a junk yard. Half a door and part of the frame will be welded. Is this acceptable? BMW said it will not fit there standards but it is what the insurance paid for. Is the insurance trying to cheat me or is this standard practice? Do I have any say on this? Should I get a lawyer?

Do I need to be on someone's auto insurance in order to get my driver's license?

I'm in my 30s and I want to get my driver's license. I had my permit years ago, but I never kept it up just because I always thought it was a hassle to get my license. People would tell me it would cost hundreds of dollars to get my license. So I personally didn't know, but I want to know for sure. After I get my permit, I know you have to wait a week, but as for auto insurance, do I need to be on someone's auto policy? Also if I don't have a car yet, how can I take the driving test? The reason I ask because I see so many people who never had cars who get driver's license just like that. I've even see immigrants with license and they don't even come to America with cars, so how do they do it?""

What are some affordable health insurance plans?

I am 20 years old and do not have health insurance and I need to get my wisdom teeth pulled! So i'm looking for an affordable health insurance.I've already applied for Medicaid and was denied.I need help please!

How much would motorcycle insurance cost for a teen?

I'm 17 now, but planning on getting my bike at 18. I'm thinking about getting a Kawaski Ninja 250R or a 500R sports bike.I live in California.""

How much does a sixteen year old in BC pay for car insurance?

The car is an 87 porsche 944. my grades are less than satisfactory. i am expecting high numbers. i make $9.50 an hour working ten hours a week. also, is it even possible for me to pay the insurance along with gas and income tax? (car takes approx. 20 mpg) i drive about 30 miles a week.""

Which is cheaper- homeowner insurance or landlord insurance?

Which is cheaper- homeowner insurance or landlord insurance?

My girlfriends car insurance has been cancelled by the insurer!?

my girlriends insurer has sent a letter to my girlfriend saying that they have made a mistake with her insurance after she has been driving for about 3 weeks. they say that she now has to pay 12000 or cancel her insurance. the issue is that they have already taken 780 of her. and also if she cancels her insurance she will not be able to getanother reasonable quote again! My question is is it illegal for them to do this!? and how do we go about getting it back without her next quoting flying through the roof?

Looking for some cheap full coverage car insurance.?

Looking for some cheap full coverage car insurance.?

Is the premium the only determinant of how much your health insurance costs?

Does the deductible matter? Does a possible subsidy change things? And most importantly, are you taking into account what you would have to pay out of pocket for things your junk plan does not cover? In the long run, even if your premium goes up but you get better coverage, you will save money.""

What is the purpose of car insurance?

Now I understand what car insurance really does, they cover losses mainly out of pocket, reduce risk which covers costs of many, but I have trouble understanding why a company is needed to do this. Lets say on an average a person pays 150/month for coverage. Over time this money adds up. After one were to be in a collision, they are presumably covered , yet a deductible is payed, then they increase the payments. I fail to see the purpose when they are just pretty much using your monthly payments to pay for these fines. Lets say you had a glass jar, and you put 200 a month in there, is the concept not the same? Even if you were to never get into an accident in your lifetime, do you see a dime of your money? I just really want to know if there is a true reason, or purpose for insurance, because I fail to see past it as a scam.""

Disability Insurance question?

Can an individual buy short term disability insurance themselves without going thru a business? Can I purchase Aflac on my own, or some other disability insurance?""

Would insurance be greatly different for a grand am gt and a grand prix GTP?

Im thinking about getting either a grand am gt or (preferably) a grand prix GTP. Would the insurance for those two cars be greatly different in cost if all the other things like coveerage, driver, etc is the same for both? thanks!""

Low cost health insurance for people who are unemployed?

Looking for an insurer for less than $300/month. Some health issues are involved.

How can I get affordable health insurance because of obama care?

I work but i have 2 kids to support and I Make Minimum Wage.. plus rent and bills.. Does anyone have any suggestions about how i could possibly get health care or what will happen if I just simply cant afford it? And no smart *** remarks like get a better paying job. Jobs are hard to find where I Live and i am making it with what i have. But obama forcing us to have health insurance is making me wonder what Options i have. Medicare? or some kind of afforable health insurance? would love to hear people who are in the same boat i am. and any POSITIVE Suggestion would be helpful. Thanks

I'm pregnant. Can I use my boyfriends insurance?

I am only 6 weeks pregnant and we aren't married yet. I was wondering if there was a way I can use my boyfriends insurance (Kaiser) for doctor visits and child birth. I have heard that we may have to add me on his as a domestic partner, is this right? And does Kaiser add domestic partners on a members plan? Any advice would help.""

Where do i go to see a physician without any health insurance in California?

Hi , I'm 21 and I don't have any health insurance, I want to see a physician so I can get more information on estrogen pills because I want to have smoother skin and look more like a girl than a man but i still want to keep my man-hood . Can anyone help?""

Can i pay Car Insurance with cash without using bank account? (or any other methods?)?

I am hoping to purchase car in a few days, im a new driver. Unfortuantley my account has been closed due to overdraft, i have bad credit. other than a pay as you go credit card.., is there any other methods of payments possible excluding a bank account (in the uk)? Thanks""

Best car insurance for college student with spotless driving record?

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

""Free/Cheap health insurance for low income in LONG ISLAND, NY?""

I am 19 years old and i go to school part time, so i am not able to get my moms insurance, and i also work but dont get insurance there either. I come from a low income family, so i ...show more""

How do I get all my old insurance names?

Hiya. Im struggling to find a way to get my information. Most of us dont keep all our old paperwork. Been driving for 6 years but cant remember even who the companys where. Any way of finding out or are they lost forever? Is it also possible to claim on possible ppi on car insurance?

How do doctors actually pay for liability insurance?

On studentdoc.com, the salary survey stated that the average OB/GYN made roughly $238000 a year, but some sites I have looked at show that they also pay $50000 a year (in florida, that rises to $100000) for malpractice insurance. Even for other practices, such as pediatrics and internal medicine, the rate is usually $30000+. This is a huge amount of money and really, after paying student loans, mortgages, taxes, and etc, how much money do doctors actually take home? Surely not all doctors actually pay for their premiums. Specifically, how much would a pediatric surgeon pay in malpractice insurance in California or Illinois? Just some food for thought.""

Is there anyone who thinks that car insurance is a ripoff?

We pay so much in car insurance and have yet to have a wreck or anything. Not to mention the ridiculous amount for car tags. (Thank God)I say it is a rip off because my grandmother had insurance with a certain company for years. She always paid on time, sometimes for months at a time. She was in an accident that was not even her fault and the insurance company totaled her car and booted her from the insurance. She is not able to drive now, but I still think that sucks.""

Why are our insurance rates going to go up again?

When Obama pushed his Affordable Care Act, he said that insurance premiums for families would go down. Last year mine went up. Now that the plan will be put in place fully next ...show more""

Which quality insurance company has the cheapest price?

I need two crowns, 6 extractions, 2 fillings, and then partials to fill in the gaps. I know this because the dentist just told me yesterday.""

""Insure the box car Insurance, Why so Cheap?""

I'm a 1st time driver so insurance is always stupidly High, However I was checking quotes online and they were all near enough same price ish 2200 for a 1.2 engine, however I did a quote with insure the box and it was ONLY 935.45 with Voluntary Excess at 250. I know about the 6000 miles and the box and all but this is over 1200 cheaper than any other insurer. It just seems too could to be true and normally things are, or are they? Anyone give us a hand with this please, much appreciated""

""If minors can't sign contracts, why can they get their own car insurance?""

If minors can't legally sign contracts, then why can we get our own insurance policies? The policies are way higher in price, but in Virginia, where I live, you can legally have your own insurance policy and insurance, separate from your parents. They don't have to sign anything, they don't even have to know that you have the policy. Statefarm, Progressive, Allstate, all of them do it.""

Why is our car insurance rate based on our credit score?

It doesn't seem fair to pay higher insurance because our credit is bad! What do you think?

""Is anyone with Endsleigh for their car insurance, and has done pass plus?""

How much did you save? I am 18 and am about to buy my first car after using my mums. I did pass plus but on confused.com quote it doesn't ask if i have it. Well anyway, endsleigh is the cheapest quote but i was wondering how much i will save when they know i have pass plus?""

Health Insurance for part timers?

Does anyone have any recommendations for affordable health insurance? My fiance and I work part time and places that don't provide us with health insurance. I'll be off my parent's in December and he hasn't been to the dentist in 10 years. We think he has about 8 cavaties and his wisdom teeth are coming in and pushing the rest of his teeth together. I don't know if we can pick up insurance for a year, get his teeth taken care of, then drop it if it's too expensive. But I feel like we need to do something! So if you have any suggestions for good health insurance companies, I'd really appreciate it!""

Who is the cheapest auto insurance?

who is the cheapest auto insurance for adult male driver in southern cal. last ticket was about 7 years ago. thx

Health insurance in America?

I'm in Australia and very curious about health insurance! What is medicaid? What happens if you have no insurance or medicaid and you have a baby?

What's the cheapest way to get insurance when your 17?

I just bought a car and when i found out how much i had to pay i was shocked i heard something about saying you live in a different address from your parents or something i don't remember please help.

Is there any way a 16 year old minor can get car insurance in his own name in SC?

From what I have read it seems like all I have to do is get my parents permission to get my own plan in my name and that's it. And if you can please give me some car insurance agencies that will give minors car insurance. thank you

Insurance for 17 year old?

i was just wondering the cost of insurance when i turn 17 next year. my parents are paying around 800 each car on there policy. so when i get added to there policy how much approximately will it cost me?

Low income health insurance in Missouri?

hi, I'm a 25 year old, male, non-smoker, full time student. I don't make a lot of money therefore I can't afford to pay for health insurance. what should i do? Is there anyway I can apply for low income benefit for health insurance? is there anything You can recommend for me to get health insurance cover? Thanks so much if you can answer me.""

1999 Pontiac Grand Am SE auto insurence?

how much will it cost for me monthly just estimate the price please to have insurance on that car thanks and are ponitacs goood with there motor and all that it has 172000 miles on it for $2900 should i take it or na just tell me about the insurance please thanks

I have 10 years old car and 1200cc and international driving licence. how much insurance to pay in london?

I have 10 years old car and 1200cc and international driving licence. how much insurance to pay in london?

How to get car insurance on a Toyota Yaris 1 litre?

It's quite an old car, I estimate about 20 years. Still works well though. How can I get insurance through Direct line? How much would it cost? greenxfox x x x""

Low cost health insurance for people who are unemployed?

Looking for an insurer for less than $300/month. Some health issues are involved.

Insurance for me on a 1973 Dodge Charger?

i know ill probably never get one but im not too good on guesstimating insurance. im an 18yr old male with no accidents or tickets but i understand insurance on older cars is cheaper? can anyone give a rough estimate of what a monthly cost of insurance will be?

""Would insurance be cheaper for a '04 nissan sentra, '08 toyota prius, or '08 honda fit?""

I am making payments on my '04 nissan sentra and i'm running the numbers to see how much more or less it would cost if i owned a new prius or fit. so far for expenses i'm just figuring in payments and gas and that my nissan will need about $1,000 of work in the next 3 years""

Whats the cheapest car insurance ?

I'm 19 years old and i just bought myself a 2001 Pontiac Firebird Trans Am WS6 i know that its going to be pretty high but ive been driving since i was 16 and this is my second car never had any accidents or any tickets i wanna get a cheap one but one that will give me good benefits. Another thing im a full time student and Im in the Marines i think that may give me a little discount to shouldn't it. My question is which one should i get cause i've never gotten insurance by myself.

Insurance for 19 yr old female?

I'm working full time and don't have insurance through my employer. My parents are on Medicaid therefor I cannot be on their health insurance. I live with a roommate. Work. Don't go to school yet. I wear glasses, take ADHD/asthma/allergy/ibs medicine, and need work done to the teeth. What do I do? My parents are not helping at all.""

Are rates for disability insurance different in different states?

To clarify: I own Guardian own-occupation disability insurance, which was initiated in California. Given a recent income increase, I am eligible to exercise a rider to increase my disability coverage. Are my premiums going to go up a different amount if I increase my coverage through my agent in CA than if I increase it through a different agent, say, in Ohio? Are these riders and insurance premiums nationally uniform for personal disability insurance plans through Guardian?""

Decent and Cheap Health Insurance Plans for International Students in the US?

I will be studying my Master in the Boston area, this September. The grad-school health insurance is a little too expensive to me. What would be some of the decent and affordable health insurance companies and plans?""

What insurance companies cover home that have had multiple claims?

We have have 3 claims since 2008 and have been dropped. We cannot find homeowners insurance, and our mortgage company is going to force insurance, with no liability or personal property included, at 2 to 3 times higher premium. Anyone have ideas of insurance companies that would cover us?""

Car insurance question?

I'm adding a new driver to my policy, and shes 18. They quoted me at about $400 dollars, which is crazy in my opinion. Just woundering if there is any really cheap car insurance companies, especially for teen drivers? Thankssss guys:)""

Insurance on a 2000 Mitsubishi eclipse 6cylin?

How much would it cost to insure it i was planning to buy a eclipse im a 16 year old male and I dont want to cost my dad an extra 200 a month i just want to insure the other person not my car (cause the car is 3000 dollars) And i was just wondering cause its important please give me a general monthly payment not 'Its gonna be a lot

How do I drive a new car home if I can't get insurance on it for another 2 weeks?

My insurance company said they need the car title before they can give me insurance on the car. This doesn't make any sense, the dealer say they cannot hold on to the car once it's bought because it's not their responsbility anymore. But I need to buy the car to get the title and the title won't be processed for 1-2 weeks. So once I buy the car I need to take it home but that means driving without insurance, what's going on here is it okay?""

Insuring a VW Beetle?

i really want a red VW Beetle, the newer version, but not really new so it costs tons. I would be a 1st time buyer at 17/18 years old. what is the average price for that car and what does the insurance cost nowadays?""

Ticket for no insurance while riding my motorcycle in california?

I got pulled over for speeding. i have no insurance but i have my motorcycle permit and my driving license. when he pulled me over he asked for my license and of course, i didnt have it. it was in my jacket and i didnt wear it. i had my permit for my bike though. gave him that and my registration. he asked for my insurance, and i knew i didnt have it. but i looked through my backpack and under the rear seat. so when he gave me the ticket he said that the no insurance and license was just a fix it ticket and to take it into the court and show them and they will sign it of and the other is speeding. when i looked at the ticket when i got home, in the part where they rite down if it can be corrected or not the license says yes and the insurance says no. my question is, if i buy insurance now and go in and show them that with the license will they sign it off. or what will they do if i dont have insurance? also the reason i dont have insurance is i dont have the funds to buy it. i just want an answer to my question please not a lecture. thank you""

How much does insurance cost for old/classic cars cost?

I am 15 and and a half, and I live in New Mexico, here you get a drivers license at that age. Anyway, my parents got me a 1977 oldsmobile vista cruiser (my dream car) and I know insurance for older cars are cheaper, how much (average) would it cost and could you recommend insurance companies which you think is best""

""Why do people think because Obama wants heath care to be more affordable, that he is for socialism?""

I personally am tired of paying over $10,000. for medical coverage and co-pays because we do not get a more reduced rate, then would be from a larger company, we do recieve a small ...show more""

What cars are cheap to insure in england?

im 19 and have had my license for 2 years and im looking to buy a car. I want a 4 door car but really don't care what it is as long as it is cheap. So i would like to know if there are any particular cars that are known to have cheaper insurance, thanks.""

What's the average penalty for driving without insurance in England?

What sort of fine, and how many points?""

What is the difference between insurance and banassurance?

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

I do not have any health insurance. Where can I find a psychiatrist to talk to in VA that is affordable?

I do not have any health insurance. Where can I find a psychiatrist to talk to in VA that is affordable?

Automotive Insurance?

Insurance designed to protect an insured driver or owner from the claims of others is called: collision insurance financial responsibility insurance liability insurance comprehensive insurance

Car insurance question? help!?

I am going to get my dad to be the main driver and me to be the named driver because it makes my first insurance 300.00 =] Which is cheap for an 18 year old! lol But an insurance company phoned up today and said if i did this i would not be able to drive the car, if i did i would be uninsured? That sounds wrong, i was thinking maybe he thought i hadn't passed my test? So would i be able to drive by myself with a full UK licence as a named driver on the car i own? Thanks""

About how much is the average teen insurance of the lowest requirements for TX of a 17 year old with a license

About how much is the average teen insurance of the lowest requirements for TX of a 17 year old with a license

Should I sue Texas for requiring me to buy auto insurance?

After all I'm a good driver, and I'm willing to take your chances that I'll be financially responsible if something unexpected happens. Why should I be forced to take part in the government sponsored mandate to purchase something? What about free enterprise and my freedom to spend or not spend my own hard-earned money? Maybe I could get my case heard by the Supreme Court....""

Does getting car insurance quotes lower your credit score?

I was wondering if getting multiple insurance quotes can significantly lower your FICO score due to inquiries..especially if you have a limited credit history..

Insurance on a reeeeeeally cheap car?

So here's my story. I want to learn to drive standard before I purchase my serious car but the thing is, I dont know how! Now, I've asked almost everyone I know that can drive standard to teach me but no one has kept their word. I found a cheap car that's standard (has a turbo too!) for a really low price. When I'm driving the car home (when/if I buy it) and when Im driving around learning how to drive a standard, do I need insurance on the car? Is there anything I can say so to the insurer so that I dont have to pay that much insurance? I plan to drive the car for maybe 2 weeks until I'm confident driving one. How about license plates? Do I need to buy a new one? Can I just renew an old plate I have laying around? Thanks!""

Where is the cheapest Motorcycle insurance for a Honda CBR500R in Vancouver?

I'm a new rider buying my first bike. I am not really sure which options are available for insurance. I know ICBC has mandatory liability that has to be paid to them, however I'd like to know where the cheapest motorcycle insurance for a CBR500R is. Any help or info would be appreciated - Brad""

Low cost health insurance for people who are unemployed?

Looking for an insurer for less than $300/month. Some health issues are involved.

What's the annual policy premium?

I have an amount of 623 dollars for annual policy premium for life insurance. Do I have to pay the amount?

Car insurance help ok so i am going to be a first year driver?

ok so i am going to be a first year driver what insurance company should i get since the are a lot of them out there and how much do u think i will be paying per month in joliet IL i am a male and 18 years old

Can anyone tell me what company provides affordable health care?

I am researching health care plans, and they are all too expensive. I have to buy it for me and my soon-to-be wife. We both have costly pre-existing conditions, and no one seems to cover that at an affordable price if at all. I was hoping someone could tip me off where to buy a good health care plan.""

I am thinking of getting renters insurance. What is the cost of most average cost of most polices?

Live in a 2 story, downstairs apartment ground floor, one level., I have a doxie (weiner dog), my son who is an adult and my husband.""

Health insurance question?

As of right now I am on Medicaid Family planning Insurance, but my husband's employer is going to give us health insurance pretty soon but we don't have it yet. Here is my question will I still be eligible for family planning medicaid when we do get health insurance? Next does health insurance cover tubal ligation if I am not covered by medicaid? If not how can I get my tubes tied?""

Car insurance. Diesel 1.6 or petrol 2.0?

Which would be cheaper to insure.

""Planned Parenthood, No insurance?""

What are the chances that if My girlfriend and I were to go to Planned Parenthood, and we both don't have insurance, and are under 18, we'd get some tests and things free or covered? Her family is both parents and 3 kids, but she doesn't know their income. And my family is just my mom and 3 kids. We want to know if Pregnancy tests, birth control, and maybe even Abortion could be possibly free. Please don't freak out that I threw abortion in there, it's only in the worse case scenario, and I want to know just in case, please don't go off on me, and please, just answer my question. Please and thanks. We're in california btw, for those who need that info.""

Can I purchase a car in my name but put the insurance in someone else's name?

I plan on purchasing a car soon, but I want to put it on my fathers insurance because it would be cheaper to pay. Is that possible? also does it depend on the state that you live in? If so can someone tell me for the state of Virginia? Thank You.""

Can The Insurance Be In Someone Else's Name When You Finance A Car?

I want to finance a car, i know full coverage insurance under my name won't be cheap but can like a family member put full coverage insurance on my car through their name (i'll pay the bill) so it can be cheaper...? thanks""

Does car insurance rate depend on a car's make and model?

I'm trying to decide whether to buy a 1999 toyota camry or a 2003 honda accord and i'd like to know if it makes a difference on the rate depending on year. I also recently got into a car accident that was my fault which i know will obviously increase my rate.

""Im 19 Before buying my truck, insurance, down payment?""

Okay so I'm gonna finance a truck next week with 2,000 down is that too much ? 377 a month! I'm 19. I make 2,000 flat a month pay 250 for rent I live with my prents so 1,750 are for me(: my job is 15 minutes away (: Anyway do I need insurance too take the car home ? Can I get it later ? I asked for a over the phone quote with adranas insurance and it was $200 and they want $300 upfront for the first month that's way to much! Would those $200 a month go down ? And how long do I need full cover on the truck I would buy? I never had an accident never had a ticket or anything my license is clean I got it about 9 months ago! Can I put the insurance under someone else's name ? Like my dad ? Or what can I do ? It's a 2004 silverado v8 2 door! They said I need insurance with 500 deductible what does that mean ? I live in Los Angeles 90018 CA""

Which is best general insurance to take?

I can pay 2000rs/annam.I need Health & Mediclaim Policy. My Requirements -- Maximum coverage of insurance.Should cover all diseases including new diseases which will come in future(i have worried about swin flu a new arraival in 2009). My age is 27years.

How much will it cost for a 17 year old girl to get auto insurance.?

i dont have a car yet im getting it in August, and my mom said that she does not want me under her insurance so im stuck getting it by myself what can i do?""

17 year old girl insurance?

My dad is a mechanic and will only buy me a 1.0 for insurance and cost. I want to know how much would it cost me to insure a Citroen Saxo when i have my full liscence in 6 monts?? I was told it is also possible to be a name driver on one of my parents insurance. How much would that cost??

Why is my insurance qoutes so high!?

hey all, I am a 17 year old male, live in cumbria. i realise this is a c rated insurance post code, i understand that. what i do not understand is why when i put in qoutes for the exact same car, exact same details all bar the name, my insurance skyrockets. i get qoutes of 3200 on a corsa 1.0 and the like (small, 1.2 or less cars) whereas friends, even 1 of which lives 5 doors away from me, get qoutes of about 2400. why is this? i understand the post code part, but the thing is all my friends being qouted live in the same area, in the same town, same estate in fact, our first four letters of our postcodes are the same, i thought this was what determined the post code factor. im currently a student, ive put down i have held my license for 4 months, i am the registered owner and keeper of the car, i am the policy holder, even added a parent with 30+ years experience on (which by the way only saved me 100) and i got 3200. my friend on the same street got 2400. why is this? also, can anyone recommend a cheap insurance company, as a young driver? eg. under 19 really, because i know car insurance has almost doubled in like 3 years. no wonder people are illegaly driving with this daylight robbery scam called insurance. thanks""

""What life insurance is best for a senior 62 female, on a fixed income, AARP or Landmark Life? asap?

My mom and I are ingnorant to the premiums and the small print on determining the rates. Need an honest opinion from a good christian person. Just need help in determining which is better AARP or Landmark Life? I see two very charts that have us concern if we made the right choice with the one paying more to get less...over a ten yr period. Thank you for taking time to respond

Looking for individual dental insurance in NY without a 12-month waiting period - is there such a thing?

I'm shopping around for dental insurance and most plans I see have a 12 month waiting period for major procedures - and I'm going to need to get my wisdom teeth out soon. Can anybody recommend me a plan? Thanks!

If you don't have car insurance.. is it okay if...?

I live in Oregon. I was wondering if you don't have car insurance does your license get suspended? someone said it did, someone else said it didnt.""

Good Car Insurance Agency in Kentucky?

I'm going to be heading to Eastern Kentucky, near Hazard. I currently have Nationwide insurance, but may change my insurance around if it is cheaper. What are some good and cheaper car insurance companies?""

Do you have to have sr-22 insurance on a motorcycle if you need it on a car?

there was a judgment entered that i have to have sr-22 for 3 years b/c of a car accident that my insurnce company would cover me on. i now want to buy a motorcycle and need to know if i need sr-22 for the bike. i have non owners sr-22 from the courts judgment

Whats the average cost for insurance for a corvette? but monthly?

well i want to get a corvette but i want to know the average insurance for it?

How much would auto insurance be around for an 18 year old female?

I'm looking to buy a car but before i do i want to make sure i can afford it with car insurance

Where is a company that offeres life insurance to felons?

My husband commited a felony nine years ago when he was nineteen years old and has not been in trouble since. He is now a foreman, owns his own home and is just a regualr citizen, but he has been denied life insurance through 3 companies. Any suggestions?""

Why is my insurance quote so high?

I got a quote that 480$!! Why is it so high I have a mustang gt 2011 and I'm 18 iv never had a accedent am I just going to the wrong company? I went to gieco all state and esurance there all over 400$

Buying a new car..insurance help?

So need some help.ive bought a brand new car which is coming on the way from suppliers so will take a few weeks.so i have a car im trading which ive never done before so im unsure wot to do about insurance as the insurance on my current car expires 13th feb and the garage will nd a cover note of new insurance to tax car..and as i dont know the reg plate yet.same for tax of car what do i do when renewal letter comes through(renewal date 31st jan)as hopefully will hv car by then.

Low cost health insurance for people who are unemployed?

Looking for an insurer for less than $300/month. Some health issues are involved.

https://www.linkedin.com/pulse/how-much-insurance-old-mercedez-savoie-santa"

[kristinsimmons]

A Full-Scale Assault on Medical Debt, Part 1

By BOB HERTZ

The recent proposal by Sen. Bernie Sanders to cancel $81 billion of medical debt is a very good start—but it is only a start.

The RIP Medical Debt group—which buys old medical debts, and then forgives them—is absolutely in the right spirit. Its founders Craig Antico and Jerry Ashton deserve great credit for keeping the issue of forgiveness alive.

Unfortunately, over $88 billion in new medical debt is created each year; most of it still held by providers, or sold to collectors, or embedded in credit card balances.

Tragically, none of this has to happen! In France, a visit to the doctor typically costs the equivalent of $1.12. A night in a German hospital costs a patient roughly $11. German co-pays for the year in total cannot exceed 2% of income. Even in Switzerland, the average deductible is $300.

U.S. patients face cost-sharing that would never be tolerated in Germany, says Dr. Markus Frick, a senior official. “If any German politician proposed high deductibles, he or she would be run out of town.”

In Australia, a recent proposal to establish the equivalent of a $5 co-pay for primary care visits fueled such an outcry that the federal government was forced to withdraw the idea.

Americans may be forced to take second jobs just to pay medical debt; meanwhile, the highly-taxed Europeans get free medical care and are counting their weeks of paid vacation. What is wrong with this picture?

These nations have shown that cost sharing is not necessary to keep health care spending at a level well below that of the United States. They rely on higher taxes and price controls…and yet, are those really worse than widespread patient debt?

U.S. Medical debt comes primarily from these sources:

the uninsured

high deductibles

out-of-network bills

claim denials

specialty drugs

emergency room care

‘zombie debts’ purchased by collectors

In this essay, I will show that a substantial number of these debts can be cancelled or greatly reduced.

Today, these groups run up the most medical debts:

Group No. 1. The poor and the uninsured, including those who still do not get Medicaid in red states.

 A Tennessee couple earning $13,000 annually gets no help whatsoever on medical bills. They can barely afford food or rent; so of course they incur medical debt every time they are sick.

Over 20% of these families do not have a checking or savings account. Over 30% are not working at all.If they do work, they cannot afford to join the employer’s plan.

Six full years after the ACA, there are still close to 30 million adults in the US who are uninsured. About seven million are undocumented immigrants. Another seven million are actually eligible for Medicaid, if they do get sick.

About four million could benefit from the ACA, but many are unaware of the exchanges. Up to five million are very poor, but are kept out of both Medicaid and the ACA in the red states described above. Another two to three million make too much for ACA subsidies.

This is a hard group to help. No states besides California want the undocumented to get insurance. No cities outside liberal enclaves like Seattle and New York care about health insurance for restaurant and service workers.

The poor rarely vote, so ignoring them does not trouble conservatives. Politics are often dominated by seniors—who will approve a conservative message about  ‘getting rid of socialized medicine’—while they themselves enjoy the federal socialism of Medicare.

(Not to mention Social Security, electricity, phone infrastructure, and the defense spending that comes to red state residents from the federal government,)

Group No. 2.  The under-insured, who have high deductible insurance but no savings.

Why are they walking around with deductibles they cannot afford?

At some employers, this is the only health insurance which is offered.

Even where there is a choice of plans, people with smaller incomes often select the cheaper high-deductible coverage.

If you are healthy, a high deductible plan to save money on insurance premiums may be a decent gamble at first.. But if you have a chronic illness, you will pay the entire deductible each year, and  will probably build up debt. Only a minority of employers offer  assistance to pay the deductibles.

Sometimes this group pays $500 a month or more for a porous health plan, which then leaves them with thousands in debt if they are hospitalized. 

Many families are living right on the edge financially, and they have trouble with all their debts, not just medical. Default rates are growing on their car loans and credit cards as well. They often face utility shutoffs and repossessions.

A recent study of insurance claims showed that 49% of patient out-of-pocket costs per healthcare incident were below $500; 39% were $501-$1,000; and 12% were more than $1,000. That generates an enormous amount of medical debt.

Group No. 3. The well-insured, who may still get huge out-of-network bills.

Some of their debts are out-and-out fraud. If a hospital says they are in-network, then all their contractors should be in-network – or else we have an illegal bait-and-switch. These surprise bills should be cancelled (details to follow).

In 2011, (9 years ago) New York studied more than 2,000 complaints involving surprise medical bills, and found the average out-of-network emergency bill was $7,006. Insurers paid an average of $3,228 leaving consumers, on average, “to pay $3,778 for an emergency in which they had no choice.”

Out-of-network assistant surgeons, who often were called in without the patient’s knowledge, on average billed $13,914, while insurers paid $1,794 on average.  Surprise bills by out-of-network radiologists averaged $5,406, of which insurers paid $2,497 on average.

Medical debt can be cruel and dispiriting—and it is also incredibly inefficient! The cost of creating a bill, sending a bill, following up, negotiating a settlement, paperwork for charity care, financial counseling, a possible lawsuit, and (rarely) getting repayments over years… The sheer administrative expense is staggering.

The average recovery on hospital bills sent to individuals is 15.3%. Non-hospital providers recover an average of 21.8% of each bill. No wonder some providers prefer Medicaid—it only pays about 50% or less of their normal charges, but that is far more than they will get in actual collections.

There are two overarching models for financing health care:

One is the Bernie Sanders model:

Paternalistic – you get insurance whether you choose it or not

Sympathy for the poor, minorities, and migrants (you never know when you might be among them)

Collectively bargained – usually with large payroll taxes

No pre-existing conditions clauses

Hospitals are financed mainly by taxes, not user fees

Patients are not in debt (though governments often are)

Cost control through price controls and rationing

The Sanders model accepts the use of coercion to pay for health care. (For that matter, the Singapore health model that is praised by conservatives is filled with coercion, including public hospitals, forced savings for HSA’s and taxes for catastrophic insurance.) At some point we are all going to get sick, so letting us decide when to buy insurance is somewhat of a fool’s paradise. Millions will always make bad choices and be left to suffer; we need to be protected against our own stupidity. Coercion is —the only real issue is when and where. Even wealthy societies can benefit from forced savings. For example, a mandatory HSA deposit of 3% of income would eliminate most of the medical debts discussed in this essay.          

The other is the Paul Ryan-Newt Gingrich model:

Based on Individual choice

No mandates on employers to provide quality coverage

No mandates on individuals to buy quality coverage; if they want to gamble going uninsured in order to save money, that is their call.

Hospitals financed by user fees, insurance premiums and private savings

No interference with anyone making money on health care – even those who prey on medical debtors

Medical bankruptcy is OK, because the fear of it motivates the purchase of health insurance.

Cost control (theoretically) through competition – faith in free markets

Taxes on workers are lower – although the savings seem to be siphoned off in premiums, co-pays, and deductibles.

The Ryan model is frankly Darwinian when you get close to it. The uninsured, frankly, are usually people who make mistakes – like poor budgeting, failing in school, losing their jobs, or being born to non-rich parents. Persons with no money get much less care, and will die sooner. Those who do not buy insurance when they are healthy will suffer later on. Eventually it all starts to sounds like “culling the herd.”

The Ryan model therefore expects a lot from private charity. (Begging is preferable to new taxes.) Democratic legislators have also established Medicare, Medicaid, and SCHIP to smooth out the inevitable rough edges.

Medical debt is an obvious consequence of the libertarian model. It can only be reformed by importing controls and rules from the Sanders model.

The ideal image of high-deductible insurance features a judicious patient with at least $10,000 in HSA savings, getting bids on each procedure and therefore driving down costs. They might even have non-urgent care done abroad, which would force American hospitals to compete on price. They might decline an unnecessary treatment or diagnostic test, to save money.

Even if hospitalized, they can say to the provider, “I am paying cash, what is your best offer?” The Amish – who do not buy insurance, but save prodigiously – actually use this method.

This has some basis in fact. Cash for medical care is more efficient and will over time lead to lower prices.

However, millions of Americans have no cash, and no bargaining skills. Some diseases may not wait for patient ‘shopping.’ A desperate patient goes to the nearest hospital and then juggles utility bills and high-interest charge cards to pay down medical bills, and then begs for help from relatives or (even sadder) from GoFundMe.

The average holder of an HSA account is under age 45, healthy, and with an average income of $75,000. Whereas in low-wage America, a ‘consumer-driven’ health plan is a ‘consumer-indebted’ reality. 

Financial casualties among patients do not seem to lead to lower health care prices. Providers are just as likely to raise their prices, in order to cover the bad debt they are taking on. (Drug companies certainly do not lower their prices when their customers suffer.)

Doctors may want to forgive some patient debts, but there is a limit how often they can do this and still cover the expenses of their practice. In some cases, it is actually (and idiotically) illegal for physicians to waive the deductibles.           

Bob Hertz is a retired insurance broker. He learned about health care from Uwe Reinhardt, Joseph White, Dr. Robert Evans, and George Halvorson a fellow Minnesotan.

The post A Full-Scale Assault on Medical Debt, Part 1 appeared first on The Health Care Blog.

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Look around a bit and you'll see that the significant wireless providers expect you to spend for boundless voice calls and text messages at a minimum, with monthly charges escalating based upon how much cellular information you desire on top of that. A common Verizon household strategy provides you 8 gigabytes of cellular information shared by 4 lines, plus unlimited talk and text, for $145 a month. A single line with simply 2 gigabytes of data, plus limitless talk and text, is $75 a month. Strip it down to a single gigabyte of information, plus limitless talk and text, and the charge is still a healthy $60 a month. Register for an agreement and you'll get a subsidy on a brand-new phone, however you'll quickly make up the distinction on your regular monthly bill.

Learn more about ACN.

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Objectionable Material. You might not use the Services to store, post, transfer, or distribute material or details that is unlawful, hazardous, threatening, violent, bothering, libellous, defamatory, hateful, profane, indecent, or otherwise objectionable or which motivates or participates in conduct that would constitute a crime, triggers a civil liability, or otherwise breaks any local, state, federal, or international law, guideline, guideline, or order.

Security Precautions. You are solely responsible for implementing adequate treatments and checkpoints to please your specific requirements for precision of information input and output, and for maintaining a means external to the Services for the restoration of any lost information.

Find more details about ACN Avis.

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You might not utilize the Services in a way that impairs the user experience of other users, or that otherwise hinders network efficiency; these use limitations will apply even if you sign up for a Monthly Plan for the Broadband Service under which you pay FreedomPop extra charges for exceeding a specific prescribed broadband information usage level throughout a specific month-to-month service period. Both fixed wire-line Internet service and cordless Internet service have actually restricted bandwidth capacity. Like repaired wire-line Internet service, the Broadband Service can experience blockage and decreased efficiency when use by some people surpasses the use of normal private consumers, thus having a negative influence on the whole network. This AUP is intended to make sure that the activities of a couple of users do not unfairly impair the activities of all users of the Broadband Service and the other Services.

FreedomPop now sells some extra phones-- mostly older, more affordable models like the second-generation Moto E, the LG G4, LG Tribute 2 and Kyocera Hydro Icon. Its choice of refurbished phones is more substantial and consists of some more current flagships like the iPhone 7 and Galaxy S7, both offered at reduced rates.

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Improper or illegal Use of the Services. You may not use the Services in a manner that is illegal; is harmful to or disrupts the operation of FreedomPop's or its 3rd party provider' networks or systems, or the networks of any other company; damages, disables or impairs any FreedomPop or third celebration property; interferes with the usage or satisfaction of Services or other services gotten by others; infringes, breaches or abuses intellectual property or other exclusive rights; lead to the publication of offending or threatening material; or makes up spam or e-mail abuse, a security danger, or an infraction of personal privacy or publicity rights.

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Usage of Your Account by Others. You might not, through action or inaction, permit or motivate others to utilize the Services for unlawful or incorrect activities or for any purpose or in any manner prohibited by this AUP or the other Terms; nor may you reproduce, duplicate, copy, sell, provision, resell, lease, provide, promise, transfer, make use of any portion or disperse of the Services or Equipment without FreedomPop's prior composed consent in each instance. You may not permit your network, through action or inaction, to be set up in such a method that offers a third party the capability to use the Services in a prohibited or inappropriate manner or for any purpose or in any way restricted by this AUP or the other Terms.

Google isn't really talking details yet, but it isn't difficult to imagine exactly what the Internet giant wants. What it wants, according to industry rumors and sources, is something like exactly what FreedomPop and Republic Wireless are already offering: a "Wi-Fi very first" service that might deliver adequate, if a little spotty, protection at a portion of the dominating cost. Which coverage is most likely to get far better gradually.

FreedomPop's plans begin with a free choice, though it's quite restricted. You get 200 minutes of talk, 500 text messages and 500MB of data. Month-to-month rates kick in when you go with unrestricted talk and text, with the regular monthly costs increasing as you include more data. Plans begin at $10.99 for 500MB of information and scale up to $34.99 for a 4GB information strategy. To put that in context, Cricket charges $40 a month for its 4GB plan (you can decrease that to $35 by using autopay with Cricket), while MetroPCS' 3GB plan also costs $40.

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Impersonation. You may not utilize the Services to impersonate any individual or entity, or to falsely state or otherwise misrepresent your affiliation with anyone or entity, or to develop an incorrect identity for the function of deceptive others. Without limiting the foregoing, you might not utilize invalid or created headers, non-existent or invalid domain, or other ways of misleading marketing or interaction.

For FreedomPop, enjoying Google enter the area the start-up assisted to leader is bittersweet, Sesar told me. "In the short term, it's an enormous validation of what we're doing. This is definitely the future." And in the long term? "In the long term, I'll be truthful with you, it's hard to state that having Google in your space is a good idea."

Click here to get more details about ACN.

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Other unique features consist of mobile hotspot assistance. FreedomPop likewise includes rollover data, in which up to 500MB monthly of unused information can rollover to the next month. (It costs you $0.01 per MB to roll over information in most plans; customers on the free strategy pay $0.02 per MB.) Your unused data doesn't expire, though you are capped at 20GB. You can also earn information by referring pals to FreedomPop.

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Throughout periods of blockage, FreedomPop utilizes different network management techniques, such as decreasing the data rate of individual bandwidth extensive users whose usage is adversely affecting other users. This momentarily restricts the amount of bandwidth readily available to the bandwidth intensive users till the congestion has actually decreased, at which point 

FreedomPop will endeavour to lift any limitations it might have troubled bandwidth intensive users during the period of congestion. When temporarily reducing the data rate of bandwidth intensive users throughout durations of congestion, FreedomPop may likewise consider historic usage patterns. When feasible, upon observation of an excessive use pattern, FreedomPop will attempt to call you by email or telephone (at the email or phone number that you provided to us) or otherwise alert you to your excessive use of bandwidth and to assist you determine the cause. FreedomPop representatives are also readily available to explain this AUP and to assist you avoid extreme usage incidents. You might call them through the Support function on our Site.

See more details about ACN here https://www.societe.com/societe/groupe-acn-533021713.html

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Storage or Hosting. Unless otherwise specifically allowed by FreedomPop or the companies of Other Services that you buy through FreedomPop, you may not utilize the Services to store or host any product or info. In specific, the Broadband Service is offered merely as an avenue to allow you to access the Internet, to send out and get files and messages utilizing 3rd party email provider, and to publish and download files on and from 3rd celebration sites or servers at your sole discretion and control.

The insight that birthed FreedomPop was that cellular data might be expensive, but Wi-Fi is vanishingly low-cost. Other than as specifically supplied herein, the rights and solutions of FreedomPop are cumulative and not unique of any rights or solutions that FreedomPop might otherwise have at law or in equity. 

Waiver of any violation of this AUP by FreedomPop shall not act as a waiver of any subsequent infraction of this AUP, nor will it be considered to be a waiver of the underlying commitment or term. You might not utilize the Services in a way that hinders the user experience of other users, or that otherwise hinders network efficiency; these usage limitations will apply even if you subscribe to a Monthly Plan for the Broadband Service under which you pay FreedomPop extra charges for surpassing a certain proposed broadband information use level throughout a particular regular monthly service period. Strategies begin at $10.99 for 500MB of data and scale up to $34.99 for a 4GB data plan. 

FreedomPop also features rollover information, in which up to 500MB per month of unused information can bring over to the next month. During periods of blockage, FreedomPop uses numerous network management methods, such as lowering the data rate of private bandwidth extensive users whose use is negatively impacting other users. FreedomPop may likewise consider historic usage patterns when temporarily lowering the data rate of bandwidth intensive users during periods of congestion.

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Answer of ACN on What Wireless Network Does?

Store around a bit and you'll see that the major wireless providers anticipate you to pay for limitless voice calls and text messages at a minimum, with month-to-month charges intensifying based on how much cellular information you want. A common Verizon household strategy provides you 8 gigabytes of cellular data shared by 4 lines, plus unrestricted talk and text, for $145 a month. 

A single line with just 2 gigabytes of information, plus endless talk and text, is $75 a month. Strip it down to a single gigabyte of information, plus unrestricted talk and text, and the charge is still a healthy $60 a month. Register for an agreement and you'll get a subsidy on a brand-new phone, however you'll quickly make up the difference on your regular monthly expense.

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Objectionable Material. You might not use the Services to store, post, send, or disseminate product or info that is illegal, damaging, threatening, abusive, bothering, libellous, defamatory, hateful, profane, indecent, or otherwise objectionable or which gets involved or motivates in conduct that would make up a criminal offense, generates a civil liability, or otherwise breaks any local, state, federal, or worldwide law, order, rule, or regulation.

Security Precautions. You are solely responsible for executing enough treatments and checkpoints to satisfy your specific requirements for precision of information input and output, and for keeping a means external to the Services for the reconstruction of any lost information.

You might not utilize the Services in a manner that hinders the user experience of other users, or that otherwise impairs network efficiency; these use constraints shall use even if you subscribe to a Monthly Plan for the Broadband Service under which you pay FreedomPop extra costs for surpassing a certain prescribed broadband data use level throughout a particular monthly service duration. Both repaired wire-line Internet service and wireless Internet service have actually limited bandwidth capability. Like fixed wire-line Internet service, the Broadband Service can suffer from blockage and reduced efficiency when usage by some people goes beyond the use of normal specific customers, therefore having an unfavorable impact on the entire network.

FreedomPop now sells some additional phones-- mostly older, more affordable models like the second-generation Moto E, the LG G4, LG Tribute 2 and Kyocera Hydro Icon. Its selection of refurbished phones is more comprehensive and includes some more current flagships like the iPhone 7 and Galaxy S7, both offered at discounted rates.

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Improper or illegal Use of the Services. You might not utilize the Services in a manner that is illegal; is harmful to or interferes with the operation of FreedomPop's or its third party company' systems or networks, or the networks of any other service provider; damages, impairs any freedompop or disables or 3rd celebration residential or commercial property; disrupts the use or pleasure of Services or other services gotten by others; infringes, breaks or misappropriates intellectual residential or commercial property or other exclusive rights; outcomes in the publication of threatening or offensive material; or constitutes spam or e-mail abuse, a security danger, or a violation of privacy or promotion rights.

Use of Your Account by Others. You might not, through action or inaction, enable or encourage others to use the Services for prohibited or incorrect activities or for any function or in any way forbidden by this AUP or the other Terms; nor might you reproduce, duplicate, copy, sell, provision, resell, lease, lend, promise, transfer, make use of any portion or distribute of the Services or Equipment without FreedomPop's prior written permission in each instance. You might not permit your network, through action or inactiveness, to be configured in such a method that provides a 3rd party the capability to utilize the Services in a unlawful or improper manner or for any purpose or in any way prohibited by this AUP or the other Terms.

Google isn't talking details yet, however it isn't difficult to envision what the Internet giant has in mind. Exactly what it wants, inning accordance with industry rumors and sources, is something like exactly what FreedomPop and Republic Wireless are currently offering: a "Wi-Fi first" service that might deliver adequate, if a little spotty, coverage at a fraction of the prevailing expense. Which protection is most likely to get much better in time.

FreedomPop's strategies start with a totally free choice, though it's quite limited. You get 200 minutes of talk, 500 text messages and 500MB of information. Month-to-month rates start once you go with endless talk and text, with the regular monthly bill increasing as you add more information. Plans start at $10.99 for 500MB of data and scale up to $34.99 for a 4GB information plan. To put that in context, Cricket charges $40 a month for its 4GB plan (you can minimize that to $35 using autopay with Cricket), while MetroPCS' 3GB strategy likewise costs $40.

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Impersonation. You may not use the Services to impersonate anyone or entity, or to incorrectly state or otherwise misrepresent your association with any person or entity, or to develop an incorrect identity for the function of misleading others. Without restricting the foregoing, you might not utilize invalid or forged headers, invalid or non-existent domain, or other methods of deceptive advertising or communication.

For FreedomPop, seeing Google go into the space the start-up assisted to leader is bittersweet, Sesar told me. "In the brief term, it's a massive validation of exactly what we're doing. This is absolutely the future." And in the long term? "In the long term, I'll be sincere with you, it's tough to say that having Google in your space is an excellent thing."

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Other special functions include mobile hotspot assistance. FreedomPop likewise includes rollover information, in which up to 500MB per month of unused information can rollover to the next month. (It costs you $0.01 per MB to roll over information in a lot of strategies; customers on the complimentary strategy pay $0.02 per MB.) Your unused data does not end, though you are topped at 20GB. You can also make information by referring friends to FreedomPop.

Which Wireless Network Channel Is The Best

During periods of blockage, FreedomPop uses numerous network management methods, such as reducing the information rate of private bandwidth intensive users whose usage is negatively affecting other users. This momentarily restricts the amount of bandwidth readily available to the bandwidth intensive users till the congestion has lessened, at which point FreedomPop will endeavour to raise any limits it may have troubled bandwidth intensive users during the period of blockage. FreedomPop may also consider historic use patterns when momentarily decreasing the data rate of bandwidth extensive users during durations of congestion. When feasible, upon observation of an extreme usage pattern, FreedomPop will attempt to call you by email or telephone (at the e-mail or telephone number that you provided to us) or otherwise alert you to your extreme use of bandwidth and to assist you determine the cause. FreedomPop agents are also readily available to describe this AUP and to help you prevent extreme use events. You may call them through the Support function on our Site.

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Storage or Hosting. Unless otherwise specifically permitted by FreedomPop or the suppliers of Other Services that you acquire through FreedomPop, you might not utilize the Services to shop or host any product or information. In specific, the Broadband Service is offered simply as a channel to enable you to access the Internet, to send and receive files and messages using 3rd party email service suppliers, and to publish and download files on and from 3rd party sites or servers at your sole discretion and control.

The insight that birthed FreedomPop was that cellular data may be expensive, however Wi-Fi is vanishingly cheap. Other than as specifically offered herein, the rights and remedies of FreedomPop are not special and cumulative of any rights or treatments that FreedomPop may otherwise have at law or in equity. Waiver of any violation of this AUP by FreedomPop will not act as a waiver of any subsequent infraction of this AUP, nor shall it be deemed to be a waiver of the hidden responsibility or term. You may not utilize the Services in a manner that hinders the user experience of other users, or that otherwise hinders network efficiency; these use restrictions shall apply even if you subscribe to a 

Monthly Plan for the Broadband Service under which you pay FreedomPop additional costs for surpassing a specific proposed broadband information usage level during a particular regular monthly service period. Plans start at $10.99 for 500MB of data and scale up to $34.99 for a 4GB data plan. FreedomPop also features rollover information, in which up to 500MB per month of unused data can carry over to the next month. During durations of congestion, FreedomPop uses different network management strategies, such as lowering the data rate of individual bandwidth intensive users whose usage is adversely impacting other users. FreedomPop may also consider historic use patterns when briefly lowering the data rate of bandwidth intensive users during periods of blockage.