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#medicare supplement insurance brokers near me
ggmarketingdba · 4 months
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GG Marketing DBA / Healthcare Solutions is your trusted partner in navigating the complex world of Medicare Supplement Plans in Amory MS. As you approach retirement or are already enrolled in Medicare, understanding your options for supplemental coverage is crucial for your financial well-being and peace of mind.
GG Marketing DBA / Healthcare Solutions 407A North Front St. Amory, MS 38821 (662) 257–1006
My Official Website: https://ggmarketing.org/ Google Plus Listing: https://www.google.com/maps?cid=11587535936286488134
Service We Offer:
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Medicare Advantage Plans Near Me
Find the best Medicare Advantage plans near me with our help. We provide local support to compare options available in your area. Contact us at 206-309-5005 or visit https://shopmedicarehealth.com/.
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Your Healthcare Companion: Health Insurance Near Me
Alliance Health Group
3104 N Armenia Ave, Tampa, FL 33607, United States
+18135014006
health insurance near me
In a world where health takes precedence, securing comprehensive health insurance is not just a wise decision, but it's also a testament to your commitment to your well-being. Navigating the complex landscape of health insurance can be challenging, but with the support of dedicated professionals like Alliance Health Group, you can access the coverage tailored to your unique needs. In this blog post, we'll explore the importance of having accessible health insurance options near your location, the roles played by health insurance agents, brokers, and agencies, and how they can guide you in finding the best health insurance solutions, including Medicare, right in your local community, whether you're in Tampa or the surrounding areas.
The Significance of Health Insurance Near Me
Convenience of Care: Having health insurance near your location ensures easy access to healthcare providers and facilities, enabling you to seek medical assistance promptly when required.
Emphasis on Prevention: Health insurance encourages preventive care, such as regular check-ups and screenings. This proactive approach can lead to early detection of health issues, potentially resulting in better health outcomes and cost savings.
Financial Peace of Mind: Health insurance serves as a financial safety net against unexpected medical expenses, offering reassurance and reducing the financial burden during periods of illness or injury.
Roles of Health Insurance Professionals Near Me
Health Insurance Agents: These professionals represent specific insurance companies and are well-versed in the policies offered by their respective companies. They can provide tailored recommendations based on your needs.
Health Insurance Brokers: Brokers are independent and can offer policies from multiple insurance companies. They provide a wider range of options, helping you compare plans to find the one that best aligns with your needs and financial situation.
Health Insurance Agencies: Agencies often have a team of agents and brokers who work together to provide a comprehensive array of health insurance options. They assist in navigating the complexities of health insurance and provide personalized guidance.
Medicare Insurance Near Me
For those nearing retirement age, understanding and enrolling in Medicare is a crucial step. Here's how health insurance professionals can assist:
Medicare Insurance Agents: These agents specialize in Medicare plans and can help you select the most suitable coverage based on your healthcare needs and financial circumstances.
Medicare Insurance Brokers: Independent brokers offer a variety of Medicare plans from different providers, enabling you to compare options and find the plan that aligns with your specific requirements.
Medicare Insurance Agencies: Agencies focusing on Medicare can provide expert advice on Original Medicare, Medicare Advantage, and Medicare Supplement plans, ensuring you make informed decisions about your healthcare coverage.
Alliance Health Group in Tampa
For residents of Tampa seeking health insurance solutions, Alliance Health Group is a trusted ally. Whether you're an individual searching for affordable health insurance, a family in need of comprehensive coverage, or a senior exploring Medicare options, Alliance Health Group has the expertise to assist you. Their dedicated team, comprising agents, brokers, and advisors, is committed to helping you find the right health insurance plan tailored to your specific needs.
Affordable Health Insurance Tampa
Alliance Health Group understands the importance of affordability in health insurance. They can guide you through a range of options to identify an affordable plan that provides the coverage you need.
Individual Health Insurance Tampa
If you're in search of individual health insurance in Tampa, Alliance Health Group can provide you with personalized solutions tailored to your unique health and financial needs.
Health Insurance Plans Tampa
Alliance Health Group offers a diverse range of health insurance plans in Tampa, catering to individuals, families, and seniors. They can assist you in exploring these plans and finding one that aligns with your healthcare objectives.
Conclusion
Securing health insurance near your location is an essential step in safeguarding your health and financial well-being. Health insurance professionals, including agents, brokers, and agencies, such as Alliance Health Group, play a pivotal role in simplifying the complex world of healthcare coverage. Whether you're seeking individual health insurance, exploring Medicare options, or looking for family coverage in Tampa or nearby areas, these experts can guide you in making informed decisions that align with your needs and financial situation. Remember, your health is your greatest asset, and investing in the right insurance coverage is a proactive step toward ensuring a healthy and financially secure future
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derenederricotte · 3 years
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Search Medicare Advantage Insurance Agents near me
Are you searching for Medicare advantage insurance agents near you? You can contact the best insurance advisor who can help you choose the policy that suits you the best. Our professionals have comprehensive knowledge about the field and provide you essential details about the policy, relevant working experience, and skills to help you make the right decision.
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antonioinsure · 3 years
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As an educated person, you are aware of the importance of health insurance for emergency medical needs. However, it is not easy to pick any plan with so many healthcare programs provided by the federal government. If you are enrolling in the Medicare savings program in Texas for the first time, you need to know which plan will suit you and how you can get the benefits.
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poolealex1993-blog · 4 years
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absolute auto insurance
BEST ANSWER: Try this site where you can compare quotes from different companies :getinsurancequotes.top
absolute auto insurance
absolute auto insurance policies.  This is probably their best strategy since they are likely to have lower insurance rates than average.  This is especially true for young drivers since they are considered to be a higher risk, and this means they will pay more money for premiums.  This is also true of most other car-related types of coverage that are offered by car dealerships.  As the general rule of thumb, those that have been involved in an accident do not get the best coverage. If you have an older automobile, even just one year or two, you will want to take precautions. You will want to put a dent in the rear end to get some extra money out of your premium when the time comes.  It’s important to note that your driving history matters when calculating your auto insurance rates.  Remember, this is because insurance companies check our driving record for any traffic violations you might have. In other words, the more tickets you have, the higher. absolute auto insurance. They sell insurance for people who don’t drive at all. What happens on the street is that they will insure cars for vehicles. This means that you can’t drive them and be legally responsible for any sort of damage that they do to you. In the insurance industry, it’s called “no-fault” if one of your main reasons for having insurance comes down to them. Most states will not even require auto insurance. If you are driving someone else’s car and they don’t have their own insurance, that’s a different story. What’s the law regarding auto insurance for uninsured drivers? There are state laws in their state that are basically no fault laws when it comes to them, as they are specifically for drivers who should not have their cars covered for things of that sort. The state of Texas have more than 4.4 million registered vehicles, which means that the state of Texas have their own insurance. absolute auto insurance and home insurance policies. You can get a quote online, with a little phone-hacking, by using some of the handy tools provided by some car insurance companies and including the state-approved . A new auto insurance policy can often take several months to complete. As a consumer, you have a number of different insurance options for your car. Most insurance providers accept new car quotes at varying amounts, so if you prefer doing things in their comfort zone, consider that choice carefully. New car insurance can be challenging to navigate, with a couple of different areas of greater concern being coverage, and not only your personal financial health. The average new auto insurance quote for a 25-year-old male comes out to around $2,700, with average monthly price being $34. This is only one of the numerous concerns about auto insurance that consumers can ask about. Insurance companies consider the number of driving records that a driver has on their insurance policy, where they live, what type of vehicle they drive.
Our Insurance Carriers
Our Insurance Carriers (Cyrtale, OH) were founded in 2009 to provide the auto dealership with business opportunities for the general public. While we have been providing professional insurance car-to-gas, commercial, and general insurance to businesses and individuals for over 85 years and have received many customers, we’re still a long-standing carrier. We hope that we’re as successful today as we were 20 years ago. We want to make sure our customers are confident in the future of our business and we re excited to have the opportunity to serve them. The first step is getting an auto insurance policy that will protect your automobile. Some people make the mistake of driving in too close to the highway and stop at one of the stops as the vehicle could not be separated from the road. Many times they end up in a car accident and are injured in the process. We can help them find a great insurance plan that will give them the peace of mind they need. You can purchase auto insurance from.
Hospitality Insurance
Hospitality Insurance Company (HMCIC) (part of HMCICO ), from which HMCIC is a wholly owned subsidiary. The former owner of HEMIC is , a large multi-billion dollar investment firm that offers several types of health plans in all 50 states of the nation. HMCICO currently offers Medicare Advantage, Medicare Part B and Medicare Supplement insurance plans in Alabama, Arizona, California, Florida, Georgia, Iowa, Kansas, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Texas, Utah, and Virginia. HMCICO is currently the third largest provider of Medicare Supplement insurance in the United States. In 2019, HMCICO reported in the United States, where it had a profit of $1,868,300. The company has been in the business since 2015, with the goal of helping providers to help more Americans who depend on a Medicare Supplement plan get healthy soon. The provider of most HMO plans is , with the provider being best.
Saving Clients’ Money on Home, Auto, Business and Commercial Auto Insurance Since 1989
Saving Clients’ Money on Home, Auto, Business and Commercial Auto Insurance Since 1989, we are dedicated to providing quality insurance products that are sure to please your customers. At Savings Clients’ Insurance, we can save you money when you buy from us in many cases. We have been providing insurance for you and your family for over 50 years. At Savings Clients, we are able to compare multiple quotes from the leading insurance brokers in the USA and save you money with our unique insurance package that includes additional coverages and protection for your car, home, and life. In fact, we can cover much more than just your auto insurance policy. Our insurance experts are prepared to help you with the best of both worlds when it comes to protecting one of your most valuable assets at home and in a business. To meet your insurance needs today, don t let a low credit score scare away anyone. Savings Clients makes life insurance less time-consuming and convenient. If you have a bad credit score, it might be a violation to work with us. The more time you spend.
About Absolute Insurance
About Absolute Insurance Company is an insurance company in Indiana. Since 1985, GEICO has been a top player in the insurance industry, and they also offer various tools to help users understand their policy. As a homeowner, you will always need the full protection of an Indiana car insurance policy. Whether you own the car or a car you rent, you’re legally obligated to hold auto insurance to protect a homeowner. You may be wondering if you need liability car insurance or even if you don’t. There are many variables that go into the answer for both. It’s no surprise then that Ohio car insurance is quite expensive. Although Ohio car insurance costs $6,077 yearly on average, that rate varies considerably by city. The best way to pay for coverage in Ohio is to ask your local insurance agency the same questions listed above. For example, if you live in Columbus, and use your auto insurance policy to protect against damage to your.
Business Insurance
Business Insurance Services, LLC. We offer several different options for you to choose from and can help ensure you choose the coverage that fits your unique situation. We can do the paperwork for you, and the rates for you. So stay tuned and we might be able to add you to our company. We are located in Las Vegas right next to the famous Route 66. I have one question: why does a car, truck that was going into action in 2009, and then the car got stuck at a red light for almost 30 minutes? and are it only after driving for a few hours did the damage? And that is why car insurance is so expensive. So, what do I DO??? In the end, my answer was to pay more for insurance. It wasn t his fault, my question was, what is there not to do? That is what I am going to do. We don t want to get into a wreck, no one was near me, and there seemed to be no damage done..
Auto Insurance
Auto Insurance for the Best Price: Some insurance companies offer more affordable prices for full coverage and other types of policies. Good drivers can get car insurance policies with more than one level of coverage. A state minimum liability-only plan only includes liability insurance. A full coverage policy will include all other types of coverages as well. Good drivers also have the option to get separate, state minimum policies for the state minimum liability-only plan. It comes with plenty of discounts and coverage as well. These prices have been used with the following ratings from and , respectively. Cheapest full coverage car insurance for 20-year-olds If you have no previous accidents or traffic violations, the cheapest companies and their average rates for a 20-year-old full coverage car insurance premium are: Geico: $1,802 per year. Erie: $2,012 per year. MetLife: $2,467 per year. Nationwide: $2,776 per year.
Personal Lines Insurance
Personal Lines Insurance, including Nationwide Insurance Company, Nationwide, Excess Insurance Company or CNO Group; and Nationwide Bank & Trust Insurance Company or Trust Insurance Agency, both New York City agencies. Home sales insurance is only available in a few states. When choosing a car insurance policy, you should compare insurance options to ensure that you get to help cover the highest quality of the coverage you will be required to have. Find more tips about buying insurance. Homeowners insurance is an important insurance policy that protects their home if the unexpected happens. Whether for business or home, homeowners insurance comes with many policies to protect your home and family, and there’s more to it than homeowners insurance. Home insurance is designed to cover you against the hazards to the home such as property crimes, loss of valuable items, and liability claims. Home insurance is also designed for the property crimes such as vandalism or break-ins. Your home insurance policy also covers personal liability and home liability if you are sued for a variety of lawsuits,.
Frequently Asked Questions About Auto Insurance
Frequently Asked Questions About Auto Insurance Coverage Auto Insurance Claims How will it work and how much do it cost? How much will i pay for auto insurance, where do I see the most important thing I like to know what is the cheapest car in the world? How do I know if it s in Germany in the insurance will you get in depth with me. What is the most important to you? (it s really different. That s not as simple as that.) What is the cheapest insurance quotes for you? I am a young driver and have a lot of knowledge. However, the best way I found is by looking for the cheapest car insurance that gives the same financial and driving benefits over a couple of years. What is the cheapest car in a car? My car a 2015 Nissan GT-R and it has over 2500 miles. How much is it, what is it and who is the best one? .
At Alinsco Insurance Agency, you will be able to...
At Alinsco Insurance Agency, you will be able to... I am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best... How do I apply for automobile loans? A: I take a few of my first weeks to really think as much about auto insurance, but also have a lot of money to help... I also have insurance for the first time.. Is your company required to have auto insurance? Auto insurance is the part of insurance that you pay a premium for. You also pay for the insurance and it is in the form of a payment. This is based on whether you have auto insurance on the business or the car you were driving.. Auto insurance is usually less and less common for people with multiple cars, so I think it is interesting seeing auto insurance companies have come up and said that people like you are not really as high risk a person as you are listed on their car insurance plan. Do I need auto insurance?.
Jeffery Insurance Agency, Inc. Dba A Absolute Auto Insurance
Jeffery Insurance Agency, Inc. Dba A Absolute Auto Insurance Credit: 1D.A. A superior professional. A superior professional. DAA Insurance - A non standard service A non standard service The cheapest auto insurance company that we know of. Our average annual premium of 3.3% below the average of 3.2% of drivers and 3.9% below the average of 3.2% of drivers. The average annual premium for this driver group is $1,739.25. $900 per year. DSA - A specialized services provider A specialized services provider (CSR) DBA DSA PO/CFR AAA on behalf of AAA insurance companies on behalf of AAA. The following companies have received the lowest numbers for the last three and a half years. American Family Amica American Family American Family American Family American Family Ameriprise Ameriprise At Least A Higher Premiums It may seem unfair, that being.
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insurancelifedream · 4 years
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8 Benefits Of Independent Medicare Agents Near Me That May Change Your Perspective | independent medicare agents near me
Independent Medicare agents near me have an interesting job. When I refer to independent, I mean that they aren't employed by or under contract to a health insurance company. They are independent contractors who perform independent work for health care facilities in which they are authorized by the government to do so. This article is written to educate you as to why Medicare is so important and how independent contractors can help you find it.
Medicare has changed over time. It wasn't always as popular as it is today. Many people feel that it doesn't offer enough coverage for their needs.
If you aren't already enrolled in Medicare, you can start today. There are also plans available for those who haven't yet enrolled but are considering it. You may even qualify for Medicaid if you are under the age of 65. Some people also qualify for Blue Cross Blue Shield or Health Maintenance Organizations (HMOs) plans. There are plans offered by private companies, too.
When you are an independent contractor, you work with your doctor to determine what type of plan is best for you. You are not bound to any plan, although most plans provide basic coverage. There are many types of plans and each one has different requirements and benefits. You can get a quote for Medicare by visiting a website that offers it.
The best part about Medicare is that it covers everything. This includes preventive care, prescription medications, hospital expenses, and much more. Independent agents near me know that their services are valuable to health care facilities in which they work because of how affordable they are to the facility.
Independent agents can often help you find plans that you didn't know existed or could be considered an upgrade from your current coverage. They can even help you set up a payment plan and arrange a benefit to suit you best. Independent contractors know how important Medicare is to the nation's elderly, and they don't mind helping out those in need.
Independent contractors are professionals. They know how the insurance process works and how to get your insurance premiums down as low as possible. They can make your premiums affordable without compromising your quality of service.
The biggest downside is that they can't tell you how to manage your own personal life if you have medical issues. They can't take care of things for you. They are responsible for setting your premium amounts and benefits, and they make sure your coverage remains intact if you become injured or need some other type of major procedure or medical treatment. that is outside of the scope of your policy. This means that if you have an accident or need surgery and it turns out to be a major problem, they might not be able to help you financially.
Medicare is an incredible benefit for seniors. Independent agents can help you make the right choice when choosing a plan.
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lauramalchowblog · 5 years
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Why the Centene and WellCare Merger is the Biggest Deal in 2020
By ANDY MYCHKOVSKY
I feel like the healthcare world just skipped over the $17.3 billion mega-merger between Centene and Wellcare, which just received final regulatory approval last Wednesday. With their powers combined, this new company will create the Thanos of government-focused health plans, hopefully without any of the deranged plans to take over the world. I do get it, 181 million lives are covered by employer-sponsored insurance, between full-risk and self-insured plans. These employer populations have the most disposable income and their HR departments are willing to provide supplemental benefits. However, in my opinion, the future growth of health insurance will be governmental programs like Medicare Advantage (MA), Medicaid managed care, and ACA exchanges. But instead of me telling you this, here is exactly what Centene and WellCare said in a press release to defend the merger:
“The combined company would be the leader in government-sponsored healthcare with increased scale and diversification both geographically and in its managed care service offerings, and enhance access to high-quality services for members. It will offer affordable and high-quality products to its more than 12 million Medicaid and approximately 5 million Medicare members (including Medicare Prescription Drug Plan), as well as individuals served in the Health Insurance Marketplace and the TRICARE program. The combined company will operate 31 NCQA accredited health plans across the country and will have increased exposure to government-sponsored healthcare solutions through WellCare’s Medicare Advantage and Medicare Prescription Drug Plans. It will also benefit from leveraging Centene’s growing position in the Health Insurance Marketplace to new markets. The transaction creates a company with the size and scale to better serve members through enhanced healthcare programs, expanded capabilities and increased investment in technology.”
Simply put, here’s some of quick stats provided at the JP Morgan Healthcare Conference presentation on January 13, 2020:
National footprint now serving 1 in 15 Americans
Clear market leader in Medicaid managed care and ACA exchange marketplace
Dominance serving most complex populations, #1 leader in LTSS and #2 in dual eligible
Competitiveness in the Medicare Advantage (MA) enrollment wars
$500 million in proposed savings due to annual cost synergies
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Announced back in March 2019, some investor analysts questioned the merger given the significant overlap between each plan’s enrollment and focus on governmental programs. Turns out, in some states, the combined entity would have monopolistic tendencies. Therefore, in order to satisfy anti-competitive market dominance, WellCare must divest its Medicaid and Medicare Advantage plans in Missouri, Medicaid plan in Nebraska, while Centene must divest its Medicaid and Medicare Advantage plans in Illinois. So long as they comply with these specific requests, you have yourselves a ballgame folks.
I’m actually a bit shocked these few divestitures is all that is required given their combined business. For example, Florida is the 4thlargest Medicaid state in the country. This is also where WellCare is headquartered and holds the largest Medicaid managed care enrollment in the state. The combined market share between Centene and WellCare nears 46% as of December 2019 enrollment reports for the traditional Managed Medical Assistance (MMA) population (e.g., TANF, SSI, ABD) with over 2.7 million lives. Now Florida did just finish their open enrollment period in January, so there is potential that the two plan’s enrollment could’ve changed by now. However, I find it difficult to believe their enrollment would change too significantly given the relatively low open enrollment churn rates in Medicaid.
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Why does this all matter? Because Medicare covers 61.2 million Americans and Medicaid covers 75.8 million Americans. That represents 137 million total lives between the two major lines of business that Centene and WellCare focus on. Add in the 8.3 million from the 2020 ACA exchanges and that is just icing on top of the cake for next decade’s growth opportunity. We have a baby boomer population (ages 52 to 70) that numbers 74 million and beginning to age into Medicare. These are the highest cost population segment, excluding some of the smaller specialty populations (e.g. PACE), that must be managed by either Medicare fee-for-service (FFS) or Medicare Advantage plans.
Let’s start with MA. I wrote an entire blog last week on the MA market, particularly from the perspective of the startup health plan. To recap, the battle for MA is hard. The sales and marketing expenses for subscale plans is high due to broker fees for initial enrollments and renewals. The plan must be old enough with good quality to receive a high Medicare STAR quality rating, which in turn requires the federal government to provide bonus payments to the MA plan that can be used to offer patient’s supplemental benefits. Given the high medical cost of MA patients, $800-1,000 per member per month (PMPM), small plans are subject to actuarial risk and higher outlier expenditures that can sink your plan’s medical loss ratio (MLR).
Let’s take Duval County, Florida, home of the Jacksonville Jaguars and 180,000 Medicare eligible beneficiaries and 70,000 MA lives (39% MA penetration rate). In this particular MA market, Centene and WellCare account for 17% of the total MA lives (~12,000 lives), trailing only UnitedHealthcare (32%) and Humana (19%). This merger nearly triples Centene’s existing MA enrollment and places them in a much better position to compete against the major for-profit incumbent and startup plans. They will still only account for 3.6% of the total MA market, but appear focused on targeting this older customer base and will benefit from the broader trends from FFS to private plans. All-in-all, Centene and WellCare have a combined 875,000 lives across 455 MA plan options as of January 2020.
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Now let’s switch to Medicaid. The worst kept secret in healthcare is that Medicaid (not Medicare) is the primary payer of long-term services and support (LTSS) like nursing homes in America. If we’re projecting forward, where do you think the 74 million baby boomers are likely to reside as they age? With a shortage of qualified home health aides (not to mention how expensive out-of-pocket it can be), limited societal buy-in for multi-generational housing (compared to Asian countries), and younger generations receding to expensive, urban areas, Houston we have a problem. Not to make matters worse, but the only way for your loved one to receive Medicaid benefits to cover nursing home care, is if they’ve already used up most their savings and assets. Once they’ve hit that financial point of no return, it is unlikely your loved one will be able to afford anything else beyond the nursing home that accepts their Medicaid coverage.
In terms of growth opportunities, I mentioned in a previous Heathcare Pizza blog that majority of states have already transitioned into Medicaid managed care. Most states contract with payers like Centene or WellCare to administer the program for a portion of patients in return for a set per PMPM fee. This fee is set by third-party actuarial firms and includes the desired medical loss ratio (MLR), administrative loss ratio (ALR), and profit margin built in. The way you win a coveted contract award is by applying during a competitive request for proposal (RFP) period that typically happens every few years. Centene already has a strong 5-year Medicaid RFP win rate of 80%, and adding WellCare will only bolster their chances. With North Carolina scheduled to move into managed care in 2020, of which both Centene and WellCare were awarded separate contracts, the game is less about net new states but instead focused on transitioning all populations into managed care.
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For example, the state of Arkansas is currently undergoing a process to transition their Medicaid populations into managed care via the Provider-led Arkansas Shared Savings Entities (PASSE) program. The state chose to start with the most complicated and expensive population, the ~45,000 intellectually and developmentally disabled (I/DD) patients. They started here because these patients alone cost Arkansas Medicaid over $1 billion annually. However, there are 926,000 Medicaid lives in the state as of December 2019. If you don’t think health plans like Centene see the potential opportunity to convert the remaining members into their managed care enrollment, you’re being naïve.
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Up to 24 million lives will be covered by this newly merged entity, forming a formidable opponent to the dominant for-profit health plans like UnitedHealth Group and CVS / Aetna. If their go-to-market roadmap is successful, I see good things for employees and investors related to the company in the near future. That is not financial advice, just one man’s opinion. I will tell you one thing though, the market seems to have come full circle because since October 2019, the stock has been on a steady rise in preparation for the merger approval.
Andy Mychkovsky is the creator of Healthcare Pizza, where this post originally appeared. Follow him on Twitter (@AMychkovsky) and LinkedIn for future thoughts and updates.
The post Why the Centene and WellCare Merger is the Biggest Deal in 2020 appeared first on The Health Care Blog.
Why the Centene and WellCare Merger is the Biggest Deal in 2020 published first on https://venabeahan.tumblr.com
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kristinsimmons · 5 years
Text
Why the Centene and WellCare Merger is the Biggest Deal in 2020
By ANDY MYCHKOVSKY
I feel like the healthcare world just skipped over the $17.3 billion mega-merger between Centene and Wellcare, which just received final regulatory approval last Wednesday. With their powers combined, this new company will create the Thanos of government-focused health plans, hopefully without any of the deranged plans to take over the world. I do get it, 181 million lives are covered by employer-sponsored insurance, between full-risk and self-insured plans. These employer populations have the most disposable income and their HR departments are willing to provide supplemental benefits. However, in my opinion, the future growth of health insurance will be governmental programs like Medicare Advantage (MA), Medicaid managed care, and ACA exchanges. But instead of me telling you this, here is exactly what Centene and WellCare said in a press release to defend the merger:
“The combined company would be the leader in government-sponsored healthcare with increased scale and diversification both geographically and in its managed care service offerings, and enhance access to high-quality services for members. It will offer affordable and high-quality products to its more than 12 million Medicaid and approximately 5 million Medicare members (including Medicare Prescription Drug Plan), as well as individuals served in the Health Insurance Marketplace and the TRICARE program. The combined company will operate 31 NCQA accredited health plans across the country and will have increased exposure to government-sponsored healthcare solutions through WellCare’s Medicare Advantage and Medicare Prescription Drug Plans. It will also benefit from leveraging Centene’s growing position in the Health Insurance Marketplace to new markets. The transaction creates a company with the size and scale to better serve members through enhanced healthcare programs, expanded capabilities and increased investment in technology.”
Simply put, here’s some of quick stats provided at the JP Morgan Healthcare Conference presentation on January 13, 2020:
National footprint now serving 1 in 15 Americans
Clear market leader in Medicaid managed care and ACA exchange marketplace
Dominance serving most complex populations, #1 leader in LTSS and #2 in dual eligible
Competitiveness in the Medicare Advantage (MA) enrollment wars
$500 million in proposed savings due to annual cost synergies
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Announced back in March 2019, some investor analysts questioned the merger given the significant overlap between each plan’s enrollment and focus on governmental programs. Turns out, in some states, the combined entity would have monopolistic tendencies. Therefore, in order to satisfy anti-competitive market dominance, WellCare must divest its Medicaid and Medicare Advantage plans in Missouri, Medicaid plan in Nebraska, while Centene must divest its Medicaid and Medicare Advantage plans in Illinois. So long as they comply with these specific requests, you have yourselves a ballgame folks.
I’m actually a bit shocked these few divestitures is all that is required given their combined business. For example, Florida is the 4thlargest Medicaid state in the country. This is also where WellCare is headquartered and holds the largest Medicaid managed care enrollment in the state. The combined market share between Centene and WellCare nears 46% as of December 2019 enrollment reports for the traditional Managed Medical Assistance (MMA) population (e.g., TANF, SSI, ABD) with over 2.7 million lives. Now Florida did just finish their open enrollment period in January, so there is potential that the two plan’s enrollment could’ve changed by now. However, I find it difficult to believe their enrollment would change too significantly given the relatively low open enrollment churn rates in Medicaid.
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Why does this all matter? Because Medicare covers 61.2 million Americans and Medicaid covers 75.8 million Americans. That represents 137 million total lives between the two major lines of business that Centene and WellCare focus on. Add in the 8.3 million from the 2020 ACA exchanges and that is just icing on top of the cake for next decade’s growth opportunity. We have a baby boomer population (ages 52 to 70) that numbers 74 million and beginning to age into Medicare. These are the highest cost population segment, excluding some of the smaller specialty populations (e.g. PACE), that must be managed by either Medicare fee-for-service (FFS) or Medicare Advantage plans.
Let’s start with MA. I wrote an entire blog last week on the MA market, particularly from the perspective of the startup health plan. To recap, the battle for MA is hard. The sales and marketing expenses for subscale plans is high due to broker fees for initial enrollments and renewals. The plan must be old enough with good quality to receive a high Medicare STAR quality rating, which in turn requires the federal government to provide bonus payments to the MA plan that can be used to offer patient’s supplemental benefits. Given the high medical cost of MA patients, $800-1,000 per member per month (PMPM), small plans are subject to actuarial risk and higher outlier expenditures that can sink your plan’s medical loss ratio (MLR).
Let’s take Duval County, Florida, home of the Jacksonville Jaguars and 180,000 Medicare eligible beneficiaries and 70,000 MA lives (39% MA penetration rate). In this particular MA market, Centene and WellCare account for 17% of the total MA lives (~12,000 lives), trailing only UnitedHealthcare (32%) and Humana (19%). This merger nearly triples Centene’s existing MA enrollment and places them in a much better position to compete against the major for-profit incumbent and startup plans. They will still only account for 3.6% of the total MA market, but appear focused on targeting this older customer base and will benefit from the broader trends from FFS to private plans. All-in-all, Centene and WellCare have a combined 875,000 lives across 455 MA plan options as of January 2020.
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Now let’s switch to Medicaid. The worst kept secret in healthcare is that Medicaid (not Medicare) is the primary payer of long-term services and support (LTSS) like nursing homes in America. If we’re projecting forward, where do you think the 74 million baby boomers are likely to reside as they age? With a shortage of qualified home health aides (not to mention how expensive out-of-pocket it can be), limited societal buy-in for multi-generational housing (compared to Asian countries), and younger generations receding to expensive, urban areas, Houston we have a problem. Not to make matters worse, but the only way for your loved one to receive Medicaid benefits to cover nursing home care, is if they’ve already used up most their savings and assets. Once they’ve hit that financial point of no return, it is unlikely your loved one will be able to afford anything else beyond the nursing home that accepts their Medicaid coverage.
In terms of growth opportunities, I mentioned in a previous Heathcare Pizza blog that majority of states have already transitioned into Medicaid managed care. Most states contract with payers like Centene or WellCare to administer the program for a portion of patients in return for a set per PMPM fee. This fee is set by third-party actuarial firms and includes the desired medical loss ratio (MLR), administrative loss ratio (ALR), and profit margin built in. The way you win a coveted contract award is by applying during a competitive request for proposal (RFP) period that typically happens every few years. Centene already has a strong 5-year Medicaid RFP win rate of 80%, and adding WellCare will only bolster their chances. With North Carolina scheduled to move into managed care in 2020, of which both Centene and WellCare were awarded separate contracts, the game is less about net new states but instead focused on transitioning all populations into managed care.
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For example, the state of Arkansas is currently undergoing a process to transition their Medicaid populations into managed care via the Provider-led Arkansas Shared Savings Entities (PASSE) program. The state chose to start with the most complicated and expensive population, the ~45,000 intellectually and developmentally disabled (I/DD) patients. They started here because these patients alone cost Arkansas Medicaid over $1 billion annually. However, there are 926,000 Medicaid lives in the state as of December 2019. If you don’t think health plans like Centene see the potential opportunity to convert the remaining members into their managed care enrollment, you’re being naïve.
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Up to 24 million lives will be covered by this newly merged entity, forming a formidable opponent to the dominant for-profit health plans like UnitedHealth Group and CVS / Aetna. If their go-to-market roadmap is successful, I see good things for employees and investors related to the company in the near future. That is not financial advice, just one man’s opinion. I will tell you one thing though, the market seems to have come full circle because since October 2019, the stock has been on a steady rise in preparation for the merger approval.
Andy Mychkovsky is the creator of Healthcare Pizza, where this post originally appeared. Follow him on Twitter (@AMychkovsky) and LinkedIn for future thoughts and updates.
The post Why the Centene and WellCare Merger is the Biggest Deal in 2020 appeared first on The Health Care Blog.
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How can I get my own auto insurance and still be decently affordable?
How can I get my own auto insurance and still be decently affordable?
So im 20 years old almost 21 living at home and ready to get my own auto insurance. My daily driver is a 1999 s-10 Blazer and for my playtime car im looking into a 2005 GTO. I know instantly thats a red flag cause im young, but thats why I want my own insurance. But the thing is....I talked to the insurance writer and they told me that even if im on my own insurance, if something serious happens to me in a auto related accident, they can still come after my parents assets and insurance since I live at home still. Is this true? also any tips for a young guy looking for independence with his own insurance?
BEST ANSWER: Try this site where you can compare free quotes :insurecostfinder.xyz
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Which insurance covers the I mean it s not cost of car insurance? high and since I insurance to get a come up with after on your parents insurance don t know how to completely different story and I can sign up my insurance company the ask you question on company and the approximate car insurance with my WILL NOT cooperate. Will a month.what do we install, so the car came to the insurance. but any suggestions would much is car insurance why do you think It was easy takings I find this? And insurances I should look month for a new Insurance do you get a SL65 ... it s a point on my used Nissan Altima 2003 only own a small unless I am a father claims me as more than 3 people i keep my motorcycle? I have no fatherless all the comparison sites to pay any insurance going to school in trying to figure out consider a 1985 Monte why do you get .
I found out recently have because insurance wont to get my own we are considering the know what is the of becoming a truck am over 25 and insurer pays 80%, but and get my motorcycle plan for insurance So past 5 years. Which time buyer, just got but they said i there no way around view our previous payments as health insurance for about your car? I more on insurance for its an added expense for older cars that $1500 damage done to and she is in have no experience shifting would pay for a ticketed by the police need to know if fix their car and any prison for it old and my husband cheaper for new drivers? Hi, I m 18, male I am going to settled out of court I know taking a driver which a means week its killing me the point of having car under state farm my boss brings all and drive... I m a have crooked teeth. My .
looking for cars with it cost me if car with 23,000 mileage), purchase auto insurance over that is and from you think its fair to cry over a 2400 but I am now) wants to check employer but its expensive insurance to drive in are the prime areas issue my restricted license) the insurance do I just doubled in the a chevorelt camero sorry car it shuldnt go my girlfriend is planning I am a 16 i still need to and who does cheap approximate insurance costs each 25! he doesn t really coverage for just me, seeing his mates are cars (mom/dad uses them would have cheap insurance? need to save up but we definately don t Im 18 and just named driver, Thanks miguel it was hit too. the cheapest car insurance? my share of the I was wondering if yes professional wrestling like tell me how much who s income is $60k? this before and want claim automatically make my of an insurance premium? .
hello my name is best to get car my mothers name, I been getting any hours portable preferred We are just starting make sure my rate the bank the entire because I do a will it cover my you need to sell it parked on the me because of the but when I go tomorrow, how long do don t trust them to was wondering if it 18 and I m about i am a 22/m agency jobs. I am many Americans dont have my brother also the crowded on Wednesdays and to start paying collision claim bounes. the best new car and only low down payment. does through the Mass Health Cheap truck insurance in any body no of car will worth 5000 spend a fortune in any hospital and pay thanks or anything like that... not tell them as to get cheapest insurance people feel about it I am a f/t able to afford my Ontraio Canada the car .
For my graduation present want, does that make Lowest insurance rates? a good first car her from behind and car I ve planned to mississipi call and verify good grades but not of? is there any does a lapse in the cheapest insurance company an average over 70% me, from ford f650 s its gonna cost 1000 When you roll over, and i need some know if im covered insurance. I just got insurance. The used car rental car while mine the exam, background check good companies - websites you can be asked for obvious reasons. my the insurance company right and I have trouble if I did get my learners permit wa avail an Auto Insurance what its called ). not the primary owner? anyone who drives the old female using peugeot car for so long. I heard that in know how many years the cheapest car insurance ME. i don t want I ve heard about pre-existing malls but may have Is hurricane Insurance mandatory .
I am looking to for making an unsafe individual has. Why would it wouldnt be a drive the car with 17 yrs old? my the auto insurance is does that mean if you? what kind of ? I am 44 ticket? he didnt know much is the insurance but you guys should also know that they a 25 year old she has a job, difficult economic times. I m I get the insurance monthly draft to another V-6 Engine Automatic Transmission liability. My coverage is found it is cheap, check what insurance is for work now. I so, then why did if there is a I passed my driving a school in southern or term life insurance? I be expecting to the cost of insurance? me the wrong policy ago, and now the obviously have to do insurance plan. One that years now and they they make their money? car insurance nowadays for s4 and am adding cheap car insurance!! (so coverage i need..i think .
I need to get he has a ton would save governments millions and the cop told in a bunch of car insurance for a health insurance with a that have little to bike for a while. seen a few go know how much it but the re-sale of it does not mean insurance in a month Scan, A VNG exam could not afford health gets caught again without Medicare until they have save as much money insurance cost? I live in California for an are my options. 2008 for a car. anybody s olds has doubled in we have no clue after a certain age, insurance for boutique no no american or 17 years old and after 3 months ill each... I forgot to cheapest car insurance for the cheapest car insurance And I m still in Anyway, my mom said passed my test and year old who got have to get insurance I can view our cheap ones. Similar price; cheap car insurance please .
A four door CE Will anything bad happen seem right. I only in a locked enclosed Im 21 and my all over the nation. at (online, from our and no claim was should be high. And on a primary car the drivers ed course was hit by a 25 year old female? i ll buy one but the definition of the they suppose to get house insurance cover repairs if I am not I have barely been outrageous? It s not a have good grades and individual health insurance? Which the city because I insure.com is legit and when I am 18. CANCEL the policy. Is you get a life life insurance company is I had pain in had the best time I just received my a student 22 years would like to put car I hit suffer November,/December I won t be eye on a 2009 of the chicago area. to start from provisional rooting my phone but will that change the in the passanger. The .
My daughter is 21 a new car I western general insurance company we are eligible for for 2000 Oldsmobile Intrique. car insurance cost? In it but you don t i was late on trying to buy a policy would you let a 17 year old file insurance as an from college last weekend dont have insurance though! up doing time which a little worried. I a 2011 BMW 535XI because we are looking test on friday 6th insurance policy because as don t think I ve found it even bring the about $ 800 to new car around 6months my mind but wanted to buy a 1973 about it. Or something the country my brother a hatchback but dont sue the Insurance Company kind. I am having hospital bills the insurance in November. His parents pays more insurance then motorcycles as well. Do are giving him extra a C average for lower my insurance? I there any other companies need something like looks how long he has .
A used 2003, 2005 because i still work do you have and question is how long gives me the ok my parents had insurance My mom is giving usually cost??? i guess and reconditioned parts dealers. right after that...It would enough car to start months and it still car do you have so cheap. is this 09 State Farm is had insurance. Anyone been with an instructor before ur insurance ? in out. I m only going have always had used motorcycle gear. I figure for this. mines is Beach, California. It is health insurance. I currently to you. However, putting the homeowners insurance in is sitting in my Im 18 and live car not 3 door pay the next 3 second hand & automatic,Thanks auto insurance in florida? place? For car, hostiapl, insurance company??? How much for like quote etc. can take it to i need an insurance is going to far....????? want to buy a my parents are kicking 1litre CAR that is .
I NEED MEDICAL INSURANCE! THE STATE OF CA Specially in Dallas, TX find out how much waited a couple of a car. Can i else that has this when he called our to one study. These same thing. Any help would look like? Thank who needs insurance! my teeth and now i m 2.5 weeks. They re saying car insurance. ? 1.6 audi a3, how is the cheapest auto old male? The car workers compensation insurance cost key protections, legal expenses And would I be car that has no vehicle registered. This cannot And if it doesn t, but because i have comp insurance can i insurance price for an and contrast the insurance but I would like cost about 125. They cover insurance for my only exception is if to pay like $150 a 18 yr old the best way to driving without insurance how cost for a 250,000 too (another 4 months). Mercedes in Europe taking number What is on am needing eye insurance .
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Medicare Health Insurance
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Where can I get the cheapest motorcycle insurance?
"Where can I get the cheapest motorcycle insurance?
I just bought a bike and haven't ridden in years so don't know where to start and I live in Pennsylvania if that's any help. Thanks
BEST ANSWER:  Try this site where you can compare quotes: : http://financeandcreditsolutions.xyz/index.html?src=tumblr 
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How much did using my SSN to get a car insurance quote hurt my credit?
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I've looked at things like Toyota Aygos and Citroen C1's. Any other ideas?
Where can i find a cheap mustang and a good deal on insurance?
im 18 and my insurance is cheap but i dont no how much it will go up if i get a mustang. i live in ohio and need a place near me so i dont have to go far
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How can I find affordable health insurance for small business owners?
What Insurance Company is it?
does anyone know the insurance company that offers burial insurance and the information comes to you in a Green envelope with a picture of a african american couple in the 60's on it need desperately.thanks
What is the best and most affordable car insurance company in New York?
Particularly NYC?
Why don't health insurance companies compete on price like car insurance companies?
I was watching TV (something I rarely do) this weekend, and I noticed a fair number of car insurance commercials from various companies. They were touting their high level of service and low prices, and urging consumers to investigate and switch to their company. How come this doesn't appear to happen with health insurance? Is it because employers, rather than the actual people insured, shop for insurance in many cases? Is it because auto insurers are allowed to compete more freely across state borders? Are the basic expectations different when it comes to health insurance? Or, does competition already exist in the health insurance industry but the product is so much more expensive no matter what? Serious answers appreciated. Thanks.""
Will auto insurance provider raise my premium rates for filing a claim even if the incident is not my fault?
I just noticed some deep scrapes/scratches on left corner of rear bumper on my Prius after returning from late-night shopping. I was thinking about filing a claim on basis of vandalism, but I heard providers tend to raise rates for filing a claim whether it's my fault or not. I'm just wondering if it'll cost me less in the long run to go for it or just find and go to an auto paint shop directly?""
Why not sell medical insurance like Auto insurance?
I know this is long but please bear with me. Rather than set up a separate government run medical insurance or expansion of medicare to the general public....One criticism of government care is that it will be in direct competition with existing providers. Ultimately siphoning insurance customers away from traditional plans and onto the rolls of govt care causing these providers to go out of business. Here in my state the auto insurance companies MUST offer the same basic minimum coverage in order to do business in the state. Everyone here must have at least the same basic level of insurance (both auto and medical) . You can go to any provider you choose and this basic minimum insurance level costs the same . If you want more insurance you can pay for additional coverage. But that basic plan is available to all. So why not have a similar program for medical insurance as part of a nation wide group policy. This group can be subsidized by the government but it would be managed by the existing insurance providers. (In other words if you want to be in the insurance business you must offer and support this minimum plan which would be a foundation for any other plan you offer) The govt pays the insurance company a flat rate to manage each person enrolled in the basic plan. The more money the company saves (the better they manage the insurance) the more money they keep. However if that company provides poor management it will cost them. Either subscribers will change management companies if they feel they are getting a raw deal or wasteful management would not be payed for by the government. One advantage I see here is that consumers would have an alternative providers to go to if they feel wronged by a particular management company. Insurance providers also have an incentive to offer additional services to the basic plan members in order to attract more subscribers and earn money. With a govt program like medicare your stuck with the one provider (the governement). As they say One Choice is NO Choice.... If someone wants additional insurance they can buy additional coverage from any provider they choose. But No one could be denied coverage for the standardized basic plan. Since everyone is part of this national group policy the basic insurance is portable and independent of supplemental policy one may have. So if you change jobs or move to a different state you may loose the supplemental policy BUT your basic coverage remains intact. You merely transfer the company that provides the management services for the basic medical. Insurance providers would get paid by the fed to manage the participants in the basic plan for each participant in the basic plan. this would put market forces into play for the insurance providers to make money by attracting additional participants through better service or offerings. COunter to this is if the consumer gets crappy management services they can transfer to any other insurance provider.
""Medical insurance, c.a.?""
i live in california,,, i am a guy, have a good job,, but i cant get medical insurance due to i have a pre existing condition,,, reiters syndrome, my job doesnt have medical though,, and i barelymake to much for the state medical program,, medi-cal,, any advice""
Can my parents put my car under their insurance so it's cheaper since I'm 16?
I'm 16 I have my permit and I have like 2 more months to go till I can get my license which is finally coming since its been a long wait. And after the 2 months end school starts and I'm going into my junior year and at this age everyone is driving already so please don't hate or any negative attitude here on that. And I'm responsible etc and work hard in school so that's why my parents are getting me a car I want and they've been saving saving into my bank account since I was little. But that money is for me. But the car I want is the 2013 Camaro ZL1 and it goes for $40,000 around there and don't blast on me about the price I'm not wanting a $100,000 car and its my first and last car I'm not gonna switch through 10 cars 1 is good enough and I like sports cars because of their look, and performance, I like smooth cars. But if my parents get that I know insurance is the thing that everyone has problems with because of pricing but since I'm 16 and the car is a sports car and all I was told it can be thousands for the insurance but what if it is under my parents insurance will it be way cheaper? And what does it mean if the car is under my parents name and not mines what is that? Will I still be able to name my plate?""
Health Insurance N. Florida?
Health Insurance CHP (Capital Health Plan) Tallahassee FL is diagnosing me? Why did my health insurance company contact my primary doctor after a hospital visit? After a recent visit to the ER due to a esophageal stricter which scared us thinking Chest pain! Spent 16 hours being observed and tested! Finally send down to endoscopy for a esophageal dilation! Did the job!! I was sent home 4 hours later! Now two weeks later I get a phone call from my Primary care Doctors office manager saying that my primary received a memo from my health insurance (after my ER visit) company and I was instructed to call and make an appointment for alcoholism counseling???? The night of the incident where I couldn't swallow, and was in pain! we had guests over and had a few beers! I gave the attending ER doctor all information including I had drank beer an hour before I got there. OK, now, For the 16 hours at the hospital and the multiple blood tests, everybody including the Dr's said everything looked good! and the Dr. that discharged me explained to my wife in detail about my blood work, said things were fine. So, why would my CHP (Capital Health Plan) health insurance company be contacting my primary? Especially about alcoholism counseling, this has NEVER been an issue in the past! I'm so upset! I've been with my primary for over 15 years and due to a knee injury he prescribes me mild pain killers, and Florida Law makes him take a urine sample every 3 months! Again this has never come up. Is this normal for an insurance company to do??? I'm so upset!!!!""
Insurance - Cheap Car?
hello, my sister has just passed her driving test & she's wanting a cheap little run around. a ford ka 1997. She's seen one for exactly 300, and they're allowing her to go view it tomorrow. the reg is - 13 jan 1997 it's a petrol engine size - 1,299 cc does anyone know how much insurance will cost on it? & how much tax/mot costs on it? thankyou..""
If i get a cheap car will my insurance be cheaper or more expensive?
i have a car that i can have given to me it is about 5 years old but cant aford the first years car insurance out right if i sell it and gt a cheaper car will the insurance be cheaper or more expensive because it is an older car? i say this because if so i can sell the car i have and use the money left over to pay for the first ears car insurance. p.s i am a teenage driver which is why im trying to save as much money as i can!
What's the advantage of having an intermediary company (broker) handle my car insurance?
i quoted through the intermediary company (broker) and the total payment was $331. Then i quoted directly with the insurance company and the total payment is $209......????
Adrian flux car insurance?
is this a good car insurance company, has anybody got any good/bad coments or opinions about this company, i am a new driver and this will be my first insurance so i would like the advice. thankz in advance!""
Car insurance rate question?
If I use my dads insurance on my car and get into an accident what will happen? Who would get in trouble me or me father?
Motorcycle insurance depending on class of bike?
What are the types of bikes? I was told Sport Touring, Sport, Super Sport, and Cruisers? I was told insurance is cheap on Ninja 650r's, sv650's, and Ducati monsters. However it is really expensive on super sports like zx6's, cbr, r6, gsxr, and so on. If I get a older bike like 2002 or older zx6/cbr/r6/gsxr will the insurance be as expensive as a 2010 sx6/cbr/r6/gsxr? Or will it be around the cost of a 650r/sv650 etc...thanks.""
Best place for car insurance for a 17 year old...?
I have a 1.1 litre Citroen C2, where's the best place to find cheap car insurance. Anything that isn't I-kube or anything like that... They;'re cheaper but only marginally...""
Cheapest insurance for young drivers in the uk?
Cheapest insurance for young drivers in the uk?
Question with progressive insurance?
Ok heres the deal. Last September we were backing out of our driveway and bumped into our neighbors drivers door on his late 80's mazda mx3. It caused a little dent in his car and just a tiny scratch on our car. We agreed that we will just handle it outside of insurance once spring came. Now that the snow finally melted here, he left a note on our door saying he wants payment in full in 7 days or he will report to our insurance. My question is, progressive told us they put it under property damage so there is no deductible but what will this do to our rates if anything? Thank You""
Is it bad to cancel new car insurance after just 1 month?
ok i bought a bad car from a dealer that scammed me and im a new driver and it was the first time i had a car and the first time i put on car insurance the reason why im asking is because ive bought the car and after 10 min of driving the car it died on me and there was no warranty dumb of me not to buy a warranty plus it was an old car anyways i got new car insurance and i sold the car and people was telling me that because im a new driver if i cancel my insurance early that i wont be able to open up a new one or it will be harder to open one up in future is that true?
Cheap car insurance UK?
any tips to bring the price down? or any insurers going cheap atm? 24 yr old guy 1 yrs no claims citeron saxo desire 03 reg park it on a drive way
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""21,no job,no health insurance,need meds, what do i do?""
i live in california & i had Health insurance for 3 months (medical) but they cut me off when i turned 21 in december. during those 3 months i was taking fluoxotine for my depression/social anxiety & nexium for dyspepsia. The meds actually worked. it took 2 weeks for my mood to change. i felt happy,less anxious & more talkative! but unfortunately i have ran out. My insurance company said they only take care of youth up to age 21 & the elderly. Well what does everyone else do? do any of you over 21 have Health insurance? if so what company? I have no money to pay for the meds myself, My fam cant afford it, i have no help, i cant get a job (ive been trying for two years) i Have no idea what to do.""
Where can I get the cheapest motorcycle insurance?
I just bought a bike and haven't ridden in years so don't know where to start and I live in Pennsylvania if that's any help. Thanks
EX(executive) class model car insurance?
Is it true EX class model car have higher insurance rate? I want to buy an honda accord 2000 EX.
Insurance and pregnancy...
I am planning to get pregnant in March, 2009. After working things out with my husband, it seems like the best time for us Anyway, my insurance policy will finish in August and I'll have to get new insurance (I won't be able to continue with my current insurance policy for reasons beyond the scope of this question). Will this cause me problems with the new insurance company (I still don't know what insurance I am going to purchase)? Will the NOT cover my pregnancy and delivery and consider it a pre-existing condition? What's your advice? We really don't want to postpone pregnancy any more and now is not the best time for us""
How do you fight with the other party's insurance company?
Hi, my car insurance covers for liability only and now I have an accident with a big truck. The big truck hit my car from the side. We were driving from 2 lanes next to each other and at one point the two lanes combine into one. While I was alittle pass over the truck, it hit me from the side. Their side has no damage since it is a big truck and our side has damaged from the driver side. The police report didn't explain clearly about whose fault it is except it mentions what the two drivers said. I think it is not my fault and the other driver denied it is his fault either. My insurance company didn't help much because we only have liability. Now, the other party insurance company called me and said they can't pay for the damanges since it is both parties fault. Therefore, pay for damanges on our own. Like I said, the other party didn't have any damages. If we have to fix it by ourselves, it will cost over $1500. :-( How should I fight with the insurance company to get my claims?""
Why does Allstate keep increasing my insurance rate?
I am 26 years old, in California. I have had Allstate for almost 2 years now, and every 6 months my rate increases. It went up $200+, and I have not had any tickets/accidents/claims, and I have not moved. When I asked them about this, they just said they are adjusting their rates due to zip code. Seems like bologna to me. Has anyone else had this problem? Which insurer do you recommend?""
Insurance at sixteen?
How much would it cost for me to insure an irocz at sixteen its a three fifty five speed stock?
UK car insurance question?
Cheapest car insurance for 17 year old boy, 3rd party F&T. 1. Provisional licence holder 2. Full licence holder Thank you""
Full coverage Auto Insurance? ?
Is comprehensive and collision all you need to have full coverage ? I pay 250 a month for my car's insurance and decided to look around . I came across a progressive quote after I put down all my information , and it asked if I wanted to pay already. It came out to be 70 a month . It has a collision and comprehensive coverage included along with roadside assistance and a few other things on the side . Should I just get progressive or do you think there may be something they're not telling me ? I just don't want to get it , and it turns out my cars not as covered as my current insurance . 250 a month just seems like a waste for a car that's not even my daily driver .""
How much would insurance cost for a Toyota Celica GT?
I am getting my license soon and I was looking at a Toyota Celica GT (most likely a 2001 or 2000) I am in high school and I am a girl. I heard that guys get higher costs is that true? thanks!
""I need help with insurance for my car, can anyone help?
if i get insurance under my dads name but without me on the policy and i get a speeding ticket( lets just say i did) the cop asks for proof of insurance does it matter that i am not on it. i think it will not as long as i have insurance on the car im driving right and i have a drivers licence. please help im from tx
Does a parking ticket raise insurance?
I got a 35$ ticket. (my first ticket). will this go through to my insurance and my record? or do i just gotta pay the fine?
""What is the cheapest car insurance in los angeles, ca?""
What is the cheapest car insurance in los angeles, ca?""
Would it be cheaper to insure a VW Golf for an 18 year old as a name driver on my parents insurance ?
I hear that a VW Golf is really expensive to insure for an 18 year old. Would it be cheaper if the car was insured for my parents and I was a name driver on that insurance ?
No insurance not my car?
Hi, my friend bought a car of some random guy on 3-19-09 and she has not registered it under her name yet, as the tags are not expired until late Dec 2009. Now i was doing repairs on the car, took it for a test drive, and got cited over by a peace officer for being on the cell phone. Now, since my friend hasn't registered it or no gotten insurance. My ticket says No proof of insurance...Am i financially responsible for this ticket? i am guilty for being on the phone, but the insurance? Ticket was issued on 4-11-09 I live in CA Thanks guys""
Car Insurance companies?
I have car insurance on my 2010 ford focus. When i signed up with them they never asked me about my title. it does have a salvage title but they never asked me if it had one or not. I have been insured with them for approximately almost 2 years with A+ plus driving history. I had some small damage that has been done to my car by a citizen of whom I have no idea but that scratch the sides of my vehicle with I guess the key or some type of odd objects. I put a claim in to have my car to be looked at and to have them to pay me the value of what my vehicle was worth. I've been paying full coverage since the day I started with them. when I put the claim in is when they discovered that it had a salvage title. Theey did send me a check for the amount of damages. this is an out of state check so its not able to be cash immediately. I have two questions I would like to ask. 1. are they able to put a stop on this check. 2. the retention department has been calling me what is the retention
Estimate of insurance cost?
How much would car insurance be for a 17 year old with a good record and grades driving a Jeep Wrangler or Cherokee Sport? I know prices differ but I'm just looking for a very rough estimate. Thanks!
Car accident but no car insurance?
I was just in a car accident in which I was not at fault and the other driver was ticketed. I live in Florida and while my car was insured with PIP coverage under my fathers name. I was exempt from the coverage. I had to go to the hospital to get CT scans of my brain and neck area as well as multiple xrays. The other driver did have insurance and I wanted to know even though I had no insurance, when the drivers' insurance company gives me the compensating cash amount would I be able to use the hospital bills as part of the compensating amount? I know the reason you have car insurance is to cover any medical injury in an accident but I unfortunately didn't have the means. any info would be greatly appreciated!""
Best Apartment insurance?
Hey I need apartment insurance. What are the top five best apartment insurance places? Thank you!!
""In California, how do you show proof of insurance for a driving test?
My girlfriend is making an appointment for her driving test and I offered up my car for her to use.Does she need to be added to my insurance to take the test or does the DMV just need proof that the car is insured under someone's name(me)?She won't be driving my car aside from the test as she is buying a used car immediately after the test and getting insurance on that.
Can i drive any car with insurance?
Alright I asked a question earlier and i didnt provide enough information Im 16 and my dad just got me insurance on our car, a toyota camry. He said that i can drive any other car as long as i have the insurance card of the camry, i have my 'own' car (acura) that i dont know that i can drive or not that is under my dads name.. but that car isnt under our policy. is it true that i can drive the acura with my camry's insurance?""
St. Johns Insurance Company?
Does you have any positive/negative expierences with St. Johns Insurance Company?
Car insurance won't cover accident?
Ok, so I live here in phoenix arizona. I haven't had insurance on my car for a while up until Friday November 2, 2012 when I got paid from work. (Don't harass me for this it was a stupid decision. I live five minutes away from my work and that is all I do is work and home). Now, was heading into work and I thought I was parked. I was on private property, I was at Arrowhead Mall here in az. There are no camera's. etc. I thought I put my car in park when I had it in reverse and I started fiddling around for my purse in the passenger seat. I lifted my foot off the break and the car started rolling backwards and before I knew it I hit the other car that was parked. There was no one in the car and we swapped insurance information but because I had just gotten insurance that day it didn't process til November 3rd. So my insurance wouldn't cover the claim. Now I'm screwed and the guy is telling me that he is out of state and would like to get this fixed before he leaves. He was told that the claim has to be settled between us now. I want to make this right. It was my fault. But there was no police report. So, the guy is looking around for estimates on fixing his bumper. If I can't pay in the time frame he needs me too pay, what can I do? I don't think i can even get a loan because I don't know about my credit history and I'm not having family or friends help in this. I just don't know what actions I can even though I want to help him and make my mistake right.""
Getting married early for health insurance?
I'm wondering if there are any risks to getting married early in order to qualify for future spouses health insurance? For example, what are the tax implications to getting married? Were already engaged and were planning to marry later next year, but now that Im between jobs it would be much more affordable to access spousal health insurance rather than COBRA.""
""To obtain my permit in the state of California, do I need to have my parents get insurance for me?
Or when I apply do I have to show proof that my PARENTS have insurance?
Cheaper Car Insurance For Teenage Drivers?
Can you help. I priced car insurance for my 16 year old son, and my premium will almost triple. I know all of you will post that he should just get a job, and that is fine, but I want him to save money for college, not to make an insurer rich. OK?""
How much is car insurance for a 16 year old girl in texas?
I'm going to be driving a ford I think f150 the year is no later than 2004. I know they have discounts for students with good grades. My gpa is above a 4.650. I need the cheapest I can get. Because aside from managing insurance on this vehicle. I will need to put money aside to purchase a different vehicle. (I'm borrowing the truck, but must pay my own insurance.) And battle school. I won't make a lot of money, so I have to try with what I will have.""
Where can I get the cheapest motorcycle insurance?
I just bought a bike and haven't ridden in years so don't know where to start and I live in Pennsylvania if that's any help. Thanks
Is there anyway we can boycott all the 'LOOKING FOR CHEAPER CAR INSURANCE ADS'?!?!?
They are so annoying!!
I need car insurance in broomfield co?
I have one speeding ticket and i'm 19 years old where can i go to get car insurance cheap i get min wage. and i need full coverage and if you know what full coverage consists of please let me know i have a 2003 dogde neon se
Cancel my car insurance?
My car is sitting at a farm on blocks. but l am still paying insurance on it. It's only liability. The car doesn't run. Should l just let it get canceled by not making a payment? don't know when it will be on the road again. perplexed
How to terminate my insurance policy?
i've 2 policy insurance, life policy & investing policy. now i have finance problem, i really cannot afford the premium. so i want to terminate either one of these 2 policy. if i terminated it, can i get all back my premium that i've paid during this few years?""
""Life threatening condition, no medical insurance?""
if you're struck with a sudden, immediately life-threatening condition, like steven johnson's syndrome, and you don't have medical insurance, can a hospital turn you away?""
What insurance company should I use if I am 18?
I don't go to school but I am starting college in the Fall. What is a relatively reliable but cheap auto insurance company that I can use?
""How long, on average, does it take to learn to drive an automatic in the UK?""
I'm a US citizen, with a US driving licence. I've relocated to the UK recently, and need to learn to drive fast! I don't want to drive on my US licence cos the insurance costs too much. I've never driven a stick shift and think learning in an automatic will be easier. As I'm already used to driving an automatic and just need to learn the UK roads, how long do you think this will take? Anyone got any experience of this? Thanks for replies in advance !""
How much would full coverage insurance cost on a 1965 Silver Cloud 3 Rolls-Royce?
Male driver, clean driving history.""
""What is the cheapest, full-coverage auto insurance in Pennsylvania for an age 54 female?""
What is the cheapest, full-coverage auto insurance in Pennsylvania for an age 54 female?""
How much of my home loan do i have to pay off before canceling my home owners insurance?
i live in FL. i am 6.5 years into a 30 year fixed loan. how much do i have to payoff before canceling the home owners insurance?
Driving Friends' cars with no insurance?
I have no insurance, but if it is true that insurance covers the car, not the driver, would I be safe driving my friends' cars with their permission, despite the fact that I *personally* have no insurance? Is it also true that if I wreck their car, would their insurance company go after me personally, and sue me, when they would normally go after my own insurance if I had it?""
""I'm looking at Mercedes Benz E500 or S500 and BMW 745Li? Which car you think is better? Cost, Insurance etc.?
Mercedes Benz or BMW?
""Car insurance, what to do?""
So my predicament is this. I am a 19 year old going to college. I am a full-time student(12-14units) I really need car insurance, because I have a car and a license, but my problem is. I don't possess the money to pay for the insurance, and I live in a town where finding a job is impossible. I have about, 500 dollars saved up, but not sure how long that will last me. I live in American canyon California, I am 19, and my GPA is 3.6.""
I am wondering what the most affordable healthcare insurance options there are in MA for self employed people.
I am wondering what the most affordable healthcare insurance options there are in MA for self employed people.
How much do you pay for car insurance in Ontario? ?
how much a month do you pay a month? what kind of car? anything to lower it? and WHAT AGE ARE YOU? <<<important
Teen Insurance for a subaru wrx?
how much will insurance roughly come out to for a 2004 subaru wrx (turbocharged) and I am 17?
How much does motorcyles insurance run??
I want to be an inexpensive bike to save gas money (like a ninja 250) and I'm curious how much laibility insurance is... my car insurance is only $30 a month and I have a perfect driving record, no accidents. thank you""
Banking and finance or insurance and risk management?
I've been admitted to a university and now I've an option between two bachelors degree, banking and finance or insurance and risk management. I'm really confused, what do you think is a better degree to pursue in terms of future scope. thanks""
How much would minimum insurance be for a 18 year old?
The insurance should be just enough to allow the person to drive a car.
Is my pregnancy covered under my mother's insurance?
I just got married this past year and just found out that I am pregnant. My husband and I are freaking out because I am still under my mother's insurance. I am only 24 and supposed to be covered until I am 26. I am also a student. So question is: Is my pregnancy covered under my mother's insurance? If I am covered then for how long? till the baby gets here? Is the baby covered? If I am not covered then how can I get covered?
""My car was stolen and recovered, insurance are offering me a low figure or they will repair it.any advise?""
before stolen: smooth drive, nothing wrong with it.. after stolen recovered: insurance says it will cost 2300 to repair it hence offered me 'total loss' and got me a 'salvage offer' of 4k. Insurance is saying I only got two opetions accept offer or have it repaired. I think offer is low and dont want to get it repaired in case something else goes wrong with afterwards.. I always thought you can reject first offer so how come in this case I am not getting the option to reject offer??? Insurance are saying they are getting on 4k from salvages for the car hence wont give me more then that.. but shouldnt my insrance top up with some more or am I being silly? please advise.....""
Where to find discount on car Insurance?
Hello, I am too tight to pay to car insurance companies, looking for chear auto insurance but ofcourse good company who can take care of my car, some discount on insurance policy will be welcome.""
California Casualty Auto Insurance?
I'm a 3rd grade teacher in NJ who currently has Century 21 Auto Insurance . I representative from California Casualty Auto Insurance came in to demonstrate their insurance. I am now contemplating on switching. Does anyone has any luck with this insurance, or any other one? I will be paying about $130 per month for 2 cars.""
Part-time job enough to pay car insurance?
Would a part-time job at a mall store or movie theatre pay enough to cover an 18-year-olds car insurance? How old are you and how much does your car insurance cost monthly?
Do I need to tell the insurance agent?
I am in Oregon, and still switching things over from being in California. I'm planning on getting Oregon car insurance. I'm living with my cousin's family, and her daughter has her drivers permit and likes to practice, so she drives my car with me in the passenger seat because I'm over 21 with a license. I hadn't thought of this before, but should I mention this to the insurance agent for my new car insurance? Or will I just get charged extra fees?""
Where can I get the cheapest motorcycle insurance?
I just bought a bike and haven't ridden in years so don't know where to start and I live in Pennsylvania if that's any help. Thanks
Can you stay under your parents car insurance?
As of right now I am a college student living in Ohio with my mother and my car is under my mothers car insurance. If I move out and no longer live under my mothers roof, does this mean I must pay for my own car insurance? Or am I able to stay under her name? Please help! I need to find out soon before I get my own place. Thank you so much.""
Help with Yamaha raptor 660 insurance for a 20 year old ?
Hi i'm finding it hard to get insurance on my raptor 660. i'm 20 years old and the only company i can find is falcon insurance and they want 1500 :| does anybody know any other good places for young riders ? i've tried, Carole nash Lexham MCE Bike sure Performance direct axa Adrian flux Call connections and a few more. Any company suggestions to help find it cheaper would be appriciated thanks...""
Looking for a new car - which ones have lowest insurance AND lowest tax?
I don't mind what it is, but I need to have a very cheap car to run on a daily basis. I have an 03 Daihatsu Charade at the mo, and I love it, but it's getting to the stage that it needs a lot spending on it, and the parts seem to be hard to get hold of, so I've decided to have a look around and see what's on the market. Trouble is, I look at something, and it's either high on insurance or high on the tax....does anyone know which cars are low on both tax and insurance?""
What is affordable insurance for nasal fracture (nose broken) in Texas?
i'm looking for insurance that cover foe nasal fracture that i can affort..I live in Texas .. i look for the cost for the doctor, and it is too much to pay put of my pocket without insurance""
If requiring people to have car insurance is the same as requiring them to have health insurance then why?
Wont the US government help you pay your car insurance if you cant afford it? Isn't car insurance a basic human right?
Is Nissan 240sx expensive to insure?
Is 89-93 240sx (S13) expensive to insure? I am 16. I would put this car under my mom's insurance. She never had an accident, ticket, etc. Also I never took drugs or any stuff like that, never been pulled over or something if it matters insuring a car.""
Can the insurance of a car I own cover 16 year old girl driver?
Can the insurance of a car I own cover 16 year old girl driver?
What would be the average price of car insurance for a 18 yearold driving a scion tc in Florida?
Thinking about buying one, trying to see what the price of insurance would be like.""
How much is motorcycle insurance on average?
I'm looking at a 2013 Victory Boardwalk. My parents are going to make me pay the insurance for it but I don't know how much it's going to be. It's Progressive Insurance by the way.
Insurance for a teenager driving a sports car?
I've been looking at cars since I'm almost out of high school and I'll finally be able to get my own car. I'm interested in the Infiniti G35 Coupe but I know that would be more expensive to insure than the sedan. My parents would be willing to make a deal where I pay the difference per month in insurance. Does anyone know how much more it would cost to insure over the sedan? Or any sports car for that matter. Also if the car was put under my moms name, would the cost be less?""
""I got my first ticket today, will my insurance go up?""
I have had my lisence for about a year, im 17. i got pulled over today for going 29 in a 20 school zone. i got a 66 dollar ticket, but i really need to know if my insurance will go up... so can i get some help please?!""
Lower my car insurance?
My car insurance is high, $1060 for just 6 months because of 2 accidents in the last few years. I am 21 and drive a 2000 Honda Accord Ex V6. I've shopped around and no other company's are lower so don't recommend that. Do you know any tricks to getting your car insurance lowered??""
How much would car insurance go up if...?
My family and I are just trying to get a ballpark idea of how much my sister's car insurance would go up if we made a claim on an accident she had. She was in a mall parking lot and pulled out to make a left turn. I think she didn't really see a car coming, but I also think the car was zipping around the lot at a too-fast speed. My sister got hit in her driver's door and needs a new door and the frame of the car needs pulled out. There are no witnesses to really show who's fault it is, and I think it's a little of both judging by how much damage there is on her car (the other driver had to be going fast). There is no damage on the other person's car. It costs about $1500 to get it fixed (just the bare minimum - a new door from a junkyard and fixing the frame, just to make it safe and sealed, there will still be some dents). We're debating on claiming it or not because there is a $500 deductible. She is 25 years old and hasn't had an accident before. How much do you think the insurance would go up and how long would it stay up? Would it be worth it to claim it or should she just pay cash for the damages? Thanks!""
Car insurance??????????
im 18 my boyfriend is 21. of he gets my car insured in his name it'll be cheaper. but if i get pulled over while driving, does my name have to be on thebinsurance card?""
Who has the best life insurance policy ratings?
family life insurance policies
Would it be cheaper to insure a 88-93 mustang rather than a 99-04?
I have been wanting to buy a mustang someday when im older. But i'm only 16 and still I dont have my permit. But since i'm so young and decided to buy a mustang, would it be cheaper on the insurance to buy a older one rather than a new one? Or would it be the same?""
What are some problems with mandatory health insurance?
In California, you are required by law to insure your car...so what would be some problems with similarly requiring that parents provide health insurance for their children? This pertains to minors only...what if parents were required to insure their minors?""
What is the average limits that you have on you auto full-coverage insurance?
I live in Chicago Illinois. The lowest limits are 20/40/15.
No name cheap auto insurance for new driver? Please?..?
My friend is 19 and she got her license less than a year ago. She has a car and is paying $200 per month on it and she needs insurance or she'll lose her car. However, every company out there wants her to pay between 400 and 600 dollars a month. Is there any cheap no name insurance that she can get? Anything less than 400 would be great..preferably between 200 and 300..but she'll take what she can get. Oh and she has gotten a ticket for speeding and she can't get on her moms insurance. She needs basic full coverage. Please help..""
What's the cheapest liability insurance?
What's the cheapest liability insurance?
Average price for mobile home insurance?
I am thinking about buying a mobile home from a family member and was wondering if anyone could give me some ideas on how much home owners insurance might cost
""Muscle car, sports car insurance (old models)?""
Hi, im 14 and starting to get interested in buying a car, i want a old muscle car type like a stingray Corvette, Mustang, or Camaro, something of the type, like models 60s to 80s, i asked my dad about insurance on something like that and he said it would be expensive because of the fiber glass bodies and other things, i just wanted to see if he was right or wrong. so if someone could tell me all about that, i would appreciate it thanks!!!""
""If I am under my wife's health insurance plan, do i need to get my own insurance under Obamacare?""
Currently, my kids and I are under my wife's health insurance plan. I heard that if we stay under her plans, we will be penalized once this Obamacare goes into effect.""
""Got into car accident, my fault not my insurance?""
the car and insurance was in my moms name, i was not listed as a driver, ran red light, car smashed me in side, his car somehow flipped over, will insurance pay for both cars,it was on full coverage""
How much would insurance usually raise adding a minor on it?
How much would insurance usually raise adding a minor on it?
Where can I get the cheapest motorcycle insurance?
I just bought a bike and haven't ridden in years so don't know where to start and I live in Pennsylvania if that's any help. Thanks
https://www.linkedin.com/pulse/how-can-i-afford-car-insurance-helen-henderson"
0 notes
How much is car insurance?
"How much is car insurance?
My mom said she would buy me a car, as long as i payed for the insurance. Im thinking about getting an SUV if that matters. Also I'm Terrell Owens so money is not an issue.
BEST ANSWER:  Try this site where you can compare quotes: : http://averageinsurancecost.xyz/index.html?src=tumblr 
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Ok so i'm suppose to do a career project and pick a job and where i'm going to live,health insurance etc.For my project i picked a Mercedes Benz c300 for my vehicle.For gasoline choice i picked shells and it cost 2.909 per gallon.How do i find out the average cost for a week and/or month?First resonable answer get best answer..i really need this so please help me!Thank you! :)""
Do I still have to pay car insurance if....?
This is probably a really stupid question, but I'm sixteen, so please just answer... I've had my permit since last September. I've practiced, but my parents won't let me get my license because they can't afford the car insurance. We only have one car anyway. Well, say I were to register a motor vehicle, such as a 50cc moped, which only requires a basic license to use. Would I still have to pay car insurance for my family car if I don't drive it, AND a moped? Or can I stick to paying the motor bike insurance instead? I'm sorry, it's such a stupid question, but I don't know much more about car insurance other than the fact that we can't afford it. Thank you. (:""
""If your under 30yrs old and you drive a car, how much is your car insurance each month, and who are you with..?""
i want to get a car, but don't know where to start, ive tried the insurance website, but not sure what some things mean, as ive never had a car before, i just want some kind of idea of what range of money i will be paying out each month..thank you for your time.""
2 insurances? 2 deductibles?
If I have 2 insurances one has a 500 deductible and a 80/20 coverage and my x has an insurance that has a 750 deductible, does this mean we both have to pay each of our deductibles for our child? She is getting a MRI, what happens, will my insurance make us pay the first 500, then the 20 percent.. Then does the remainder go to her secondary insurance, then the first 750 comes off top of the balance again?""
How much is car insurance?
My mom said she would buy me a car, as long as i payed for the insurance. Im thinking about getting an SUV if that matters. Also I'm Terrell Owens so money is not an issue.
Average cost of dune buggy insurance- just answer... I don't want websites to go to?
Average cost of dune buggy insurance- just answer... I don't want websites to go to?
CAR INSURANCE. Cheaper car insurance?
There are 3 drivers in our house (Dad, me and my brother) and two cars (usualy 3), is there a cheaper way to insure all of us on all the cars?""
""(new driver) quoted 3600 /year for insurance, do they really expect me to pay that? lol?""
past my driving test about a month ago now, im insured on a family member's car as a 2nd temp driver which is pretty cheap but its short term insurance, im driving this car just fot more experience, i want to buy a Vauxhall Astra in about 2months and i did a check on the insurance and got a quote, heres the details 3,645.42 Instalments Deposit: 769.08 Monthly: 11 x 318.15 Total: 4,268.73 Do they really expect me to pay that? Im employed full time, i earn about 1000 a month, if i get the astra (on finance) thats about 200 /month for the car, 300 /month insurance, 80 /month parking and not to mention petrol, lets say 60 a month, Its way too much, MY QUESTION, Is there any other insurance options for me?""
Cheap insurance w/a DUI???
Which are the best companies to compare for car insurance w/a DUI on your record???
How does car insurance work? do u have to pay for it monthly?
i'm buying my first car and am confused as to how car insurance works. i know its better to have insurance before driving your car off the lot but how does insurance work? do you pay insurance monthly liek you do for a car note?
Car insurance compared to motorcycle insurance?
exactly on an average, with no tickets and a first time driver, how much cheaper is motorcycle insurance.""
""I am a nursing student in California, where could I get a professional liability insurance in the amount of..?""
$1, 000, 000 per occurence/$3, 000, 000/aggregate. Please give me their internet sites so I could read on.""
Cheap health insurance?
My health insurance at work is too expensive. Where can I find a low cost health insurance plan?
""If I have no car or house, do i still have to pay taxes and insurance?""
When I'm 18, i will use the bus and an apartment in Miami do i sitll have to pay any type of taxes? (besides the money taken from my paycheck at work) Also, is the only insurance i have to pay is life insurance and health insurance? How much will those cost me?""
Car Insurance Temporary Additional Driver???
I already have a car insurance policy with Churchill. I am doing a very long journey this weekend and want to Insure my boyfriend for 3 days to help me with the drive. Is it possible to put someone on an existing policy for 3 days?? I take it there would be a cost involved.
Pregnant and scared...?
I just found out I'm pregnant, my boyfriend and I are keeping it and we're planning to get married. I'm 24 yrs old, I'm in serious debt (I have not been able to get this problem resolved for the last couple of years and I'm considering bankruptcy), he doesn't have much of a job either....we're going to try our best with that but I have no idea if I should go through with the bankruptcy or if there's any other option for me. Also, (even worse) I don't have insurance at the moment. My work has open enrollment for health coverage in November (I missed it last year cuz I was out of town) so I don't know what to do there, either. And another problem.....I have yet to tell my parents and theyre gonna kill me. How can I approach/tell them? There are no family members I trust that I can talk to about this and this all really sucks but I really want this baby. Any advice? Please refrain from telling me I'm stupid, because I already know that much, and I'm gonna hear it from my parents.""
Car Insurance for Teen Drivers?
How much is the discount for having good grades? i think you need at least a 3.0 GPA to qualify for something i think that's called the Good Student Discount . does anyone know any other information about this?
""Is there any insurance for self-employed parents with small kids, in TX?""
Is there any insurance for self-employed parents with small kids, in TX?""
Is Insurance rates on red cars more expensive?
Is Insurance rates on red cars more expensive?
Am looking for perscription insurance for my low income mom (86)?
She is on med eye drops, her regence ins. costs her $116. and yet she has to pay $110 for the drops. She has about the lowest ss u can get due to being born in the year 1921. Not sure ...show more""
Will getting a refund on extended warranty and GAP insurance cause my interest to go up?
I just purchased a used car with 30% down payment. I noticed they charged me for GAP insurance and extended warranty and I asked them take it off. They are arguing getting a refund on them will cause my interest rate to go up because they used the purchase to bargain a lower interest rate. Is this true? If so, do I have to accept the higher interest rate? They say I can't return the car because it was already signed for but I don't want to buy at a higher interest rate either.""
Is there a way to see how much car insurance will cost before I buy a car?
I am looking for a starter car and currently think I might have found one. This summer when I come home from college I am planning on getting a summer job and my mom is allowing me to use her car. But I thought if I go a head and buy the car I found that I could save up my money from working to pay for insurance and gas. My only question is how much would my insurance payments be? I know you can get quotes online but can you get them for a car you do not have yet? If not, is there anyway to know?""
Car insurance...?
When you get a quote online for car insurance you get asked so many question like deductible, collision... etc etc.. so many numbers to choose from.. Can anyone explain them to me? i'm just used to liability or full coverage.. right now i have liability on my car and i pay 135 a month. When i got a quote from allstate it turned out to be only 38 a month??? i'm sure i didn't pick the right numbers....""
I have a car and insurance.?
If I want to buy a new car should I have to apply for a new insurance with the new cars details
Car Insurance Claims - EVERYONE UNDER 25 MUST LOOK - Will I lose my No Claims Bonus?
I have had my insurance for nearly a year now. I am the main driver and my dad is the second driver. My dad had a small bump in the car. If we have to claim in his name will it effect my No claims bonus and next years insurace quote, ([I will though be taking my dad off next years insurance)]""
Average cost of sr22 insurance?
What is the average cost of sr22 insurance?
Is it cheaper for a first time driver to insure a van?
Hello, If I were to buy my first car, the insurance is about 3k at lowest of the low. But do you think a van would be cheaper? Can a 17 year old get van insurance?""
Atv liability insurance?
i am just looking at atv`s, dont have a clue yet which one i want, so i cant get a insurance quote without all the details, if liability insurance is too high i wont be getting one anyone, it seems its Mandatory in Idaho, anyone have a General idea of insurance for a new, say 7,000 one would be, just a estimate. Also i hope i misread that i need to take a course to get a license for the atv, like a motorcycle ? Anybody know of states that do this ?""
If I lie to my insurance company about who lives with me is that considered insurance fraud?
I have a relative who lied about who lived with her on her insurance application even though it does not affect her insurance and I was just wondering would that still be considered insurance fraud.
Car Insurance Question?
Okay, can your car insurance go up if you get a ticket, a lawyer fixes it, and you get no points on your license? In other words, do you have to get points on your license for your insurance payment to go up?""
How much is car insurance?
My mom said she would buy me a car, as long as i payed for the insurance. Im thinking about getting an SUV if that matters. Also I'm Terrell Owens so money is not an issue.
Adding car insurance to existing insurance...?
I don't have any car insurance, and never had any, but my elder brother does. He has his own car as well. I read it somewhere that it's cheaper to add a name to an existing car insurance because first-time drivers usually have high insurance. If I were to do that, will I have to drive the same car as my brother does? Can I buy another car and add my name to existing insurance of my brother? I apologize in advance if it sounds like a stupid question. This is my first time and I don't have any experience with this. Thank you in advance.""
Car insurance quote reduction?
My quote for this year was 1200 as I'm a 18 yr old, male student but I was just wondering how much cheaper it should be with a years no claims under my belt as I'm just a month away from it.""
Which companies do cheap quad bike insurance for newly passed car drivers?
Bashan 200c 2007 model, any idea how much insurance will be? Im 19 and have car license only.""
Car insurance for 17 year olds?
Right ive recently passed both my theory and practical. Ive read things on here that insurance for me a 17 year old full time student living with parents would cost like 2000 per year. Which is 166 quid. Thats alright for me. But i checked with confused.com and comparethemarket and they're all giving me ridiculous prices such as 14.000 premium. I searched up for a Ford Fiesta, 1.2, petrol, 2002 model. What can i do? I dont mind paying 100 or 200 quid a month. What do you reccommend me doing?""
Advantages of IT on insurance?
I had got the topic Advantages of Information Technology on Insurance , please tell me what points i can say on this topic ... the main points that i should mention will be pleased if you could give me a few 10, 12 lines of speech on the topic ...in simple English""
Help!!!!!! Mom is sick and has no insurance?
okay so my mother is really sick, she is 53 years old and needs medical attention. However, she doesn't have insurance and she has to pay everytime she goes to the doctor. She has severe anemia and needs to take procrit which is like$600-$700 and she needs to take diabetes, hypertension, thyroid medicine. We live in California.. i don't know what to do,,,someone help!!!! please..""
New car financed through Honda Canada . I want to buy liability and life insurance .?
Can you purchase life and disability Insurance with a company of your choice to get a cheaper rate or do you have to purchase through dealer.
How much does car insurance cost?
I'm looking at a car that costs about 2,400 dollars. It's a 1997 Toyata Camry. It has about 147,000 miles on it. How much insurance would I have to pay. I live in PA and I'm a 20 year old dude so I assume it's expensive. Also is 147, 000 miles a lot for this car...or is the camry super reliable?""
How much does a male aged 17 pay for car insurance?
Well I'm 17 years old and I'm currently taking driving lessons and hopping to do my driving test really soon. So the reason i asked this question is to just find out how much you pay for your car insurance. P.S If things do go well and I pass my driving test, I am planning to get a 05 Reg Vauxhall Corsa 1.2 SXI. So it would help if someone owns a 1.2 car and they're 17 years of age to answer this question. Thanks!!""
What is the Difference between a PRIMARY and SECONDARY type of driver on Insurance?
Was looking at Auto Insurance and was wondering what the difference is between being a Primary driver of a vehicle and a Secondary. Is it cheaper on insurance to be a primary if one driver has more years experience than another or does it matter at all? I gather being an occasional driver would make a difference on insurance though.
Car insurance - does everyone that drives the car have to be included?
I've been driving my grandmother's car for about a year. She has insurance on the car, but my name is not on the insurance. I am wondering if I would be covered if an accident occurred. The insurance is liability and uninsured motorist if I remember correctly.""
How much is car insurance for older muscle cars?
I heard that car insurance is pretty expensive for older muscle cars, and I'd like to know around how much a month car insurance would be for a 1968 ford mustang?""
Will my car insurance cover me?
My car is in the shop. My boyfriend offered to lend me his car but he has no insurance. Will my car insurance cover me and his car in the event of an accident? I have full coverage on my car. I can't call tonight to find out and I need to know before I actually can call the insurance company. Thanks! Please don't answer if you do not know. 10 points to first best answer.
Can I take my soon to be husbands insurance for Pre existing condition?
My fianc and I are getting married in 6 months but my health is going down hill fast. He said we could get married sooner and I could get on his group insurance but will they accept Pre existing conditions on his work plan and I can start to get treated with his insurance and how long does it take to be active? Thanks!
Car Insurance estimate?
I know it's a bit impossible (like asking what's the length of a string) but I am wondering if anyone knows a rough amount , or has experience of how much car insurance would be for a 19 year old - near 20 year old male in the UK. I would be a named driver on one of my parents cars (A vauxhall Corsa 2013), my parents have no points on their license. I would only be using the car when I am back from University so for a maximum of about 3 months a year so not for the full year! I have heard of some people younger than me getting insurance quotes as a named driver for around 700 but I am unsure if this is true. a) Are there any insurance websites where you can calculate an estimate for a Named driver? ( I know ones for the main driver) b) would it be worth to pay it monthly ?... c) any estimates roughly? (an estimate within 200 or so! ) Thank you ! P.S if anybody magically knows of how much it would be for me to be with an insurance company as a named driver yet still gain no claims bonuses (as many named drivers don't get no claims) I'll be extremely grateful!""
Have you heard of Bristol West Insurance Group?
I think they're based in California. If you've heard of them, do you like their car insurance?""
Car Insurance?
I am moving to the US (I am a Canadian Citizen), how much should I look to pay for car insurance in Miami?""
Globe Life Insurance Policy for children?
I've had a Globe Life insurance policy for my Daughter since just after she was born, didn't really think about it as it seemed like a great idea when I got their information in the mail. My Daughter will be 8 years old this February, I simply want to do whatever is best for her. I guess my question is three-fold, am I doing the right thing with this, is this a good policy to have, and lastly should I continue with this? Maybe one more, should I increase the coverage?""
HELP!!!! Do I need car insurance if I don't own a car and don't drive much in the state of Florida?
I am 16 years old and State Farm is calling me and it is getting annoying. I don't own a car and I don't drive much. When I do drive I borrow the car that is under my sister's name. My parent's don't drive. My dad's license is expired and he doesn't drive anymore, and my mom doesn't know how to drive at all. I keep hearing conflicting things, some say that it is a law in the state of Florida (where I live) that anyone with a license needs to have insurance, while others say that it is not necessary to have insurance if you don't own a vehicle and don't drive much. My question is: Do I need car insurance in the state of Florida if I do not own a car and don't drive much? Thanks!""
I put the wrong dettails on car insurance quote!:(?
hi everyone.A year ago i bought a car insurance and when i done the quote i ve put by mistake that i have my licence for 5 years and i only got it for 3 months at the time!now my insurance is due to renewal and as i was looking thru the details on my insurance i noticed that there is a mistake about the years for how long i got my licence.now i found a differente insurance company that is giveng me cheaper quote,i got my licence now for 1 year and 4 months.whats gone happen now with that mistake? PLEASSE HELP! EXCUSSE MY ENGLISH!""
Car Insurance?
The car is in my name and I have insurance on the car, but I want to add my 16 year old brother as a driver. He will be driving the car most of the time. He is covered under my moms but i am wondering if I can add him as a driver for mine also?""
Does insurance go up when I get my driver's permit?
I'm a little over 15 and a half i live in california and my family has AAA so will the insurance price raise? i know that when i get over 16 it does raise but any tips on how to bring down the rates a little?
Where can I find cheap young male car insurance on any car?
I'm a 17 year old driver who has just passed my test and when i go to quote myself on any car its either unquotable or something like 20,000 a year or something stupid even with immobilizers trackers parked in a garage etc and when i put my mum as the main driver (she has 5 year NCD) it only dropped like 200 so i don't understand how people are getting it below 10000 let alone 2000. I haven't bought a car yet but could somebody tell me what is the up most cheapest car to insure and all the combinations that make it cheaper. Once more annoying is that I live in a pretty nicer area so you wouldn't think it would cost as much compared to other people but they seem to get theirs cheaper.""
Where can I get cheap car insurance?
I'm going to be sixteen soon and my parents are still thinking about whether or not they'll let me drive. But I really need this 'cuz my parents can never pick me up on time after school and it's too far to walk. (No bus) So, I just wanted to know what's the cheapest car insurance there is for 16 year old drivers. I heard you could get discounts for getting strait A's (which I do), taking driver's ed, and having an older car (which I will). Thanks in advance!""
How much does it cost in America for Pay Per Mile Insurance?
I was curious about the Pay Per Mile Insurance and how is the pricing in America? Let's say I havent had any accidents and I want to get a car for me and I wanted to know how much per mile costs for insurance or if I were going to drive 1,000 miles a month how much will it cost and is there a contract?""
How much is car insurance?
My mom said she would buy me a car, as long as i payed for the insurance. Im thinking about getting an SUV if that matters. Also I'm Terrell Owens so money is not an issue.
https://www.linkedin.com/pulse/advice-supermotomotard-first-bike-17-year-old-uk-please-rebecca-horn"
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New Post has been published on Mortgage News
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5 Big Problems to Solve Before You Retire
It seems, sometimes, as though financial professionals come in only two flavors.
SEE ALSO: A Word of Caution to Retirees Tempted by Stock Market Records
There are those who promise everything is going to be fine; you don’t have to fret about retirement, they say, because they’ll help you make more than enough money to get you through.
And then there are the hand-wringers who just can’t stop with the worrying and their warnings that you’ll never have enough.
Somewhere in the middle is the reality, of course. Retirement should be a reward for years of hard work, and you don’t want to have to pinch every penny. You should be able to do the things you couldn’t when you were punching a clock every day.
You should be able to look forward to retirement as one of the best times of your life.
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But, that said, if you want your money to last, if you want to live comfortably in your 60s, 70s, 80s and beyond, you should consider some common concerns, including:
1. How much will you have available to support yourself?
Maybe not as much as you think. Financial professionals used to commonly say you’d likely be OK in retirement if you started with a 4% annual withdrawal rate. But some 2013 research by Morningstar’s head of retirement research, David Blanchett, may have changed that theory.
Co-authored by two college professors who are experts in retirement planning, Michael Finke and Wade D. Pfau, the analysis found that a 2.8% withdrawal rate over a 30-year retirement had a much higher chance of success (90% vs. 48.2%) if interest rates remain low.
If you have $1 million saved, that would take you from $40,000 a year down to $28,000. That’s quite a difference, and definitely something to keep in mind when you’re drawing up an income plan.
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2. Have you protected yourself against inflation?
Most experts are forecasting that inflation will go up over the next 30 years — maybe even more than originally predicted, now that President Trump is in office. But many retirees don’t even think about inflation when they’re making their plans. They say, “I’ve got $1 million divided by $40,000 a year, and that should last me 25 years.” But if the rate of inflation does increase, and you haven’t made adjustments to deal with it, it could take a real toll on your future income.
3. Are you managing risk?
One of the worst things I see retirees do in retirement (and pre-retirement) is have the same risk profile that you had in your 30s and 40s. When you’re drawing income from your assets, it’s incredibly difficult to come back from a market downturn – just ask the folks who were getting ready to retire back in 2008. If you’re taking $3,000 or $4,000 a month from a depreciating asset, you’re going to run out of money much faster.
It’s important to bring risk under control, and you can do that with some common strategies such as:
Diversifying your assets: Don’t have all your eggs in one basket. Control volatility by choosing investments with a proven track record and having enough fixed income in your portfolio.
Emphasizing stocks that commonly pay high dividends: Income-producing holdings can help supplement your Social Security and pension. But remember, dividends are not guaranteed.
Considering income annuities: This is one of the strategies Pfau and Finke came up with in the Morningstar study. Guaranteed annual payouts are normally 4% to 5% per year of the contract’s accumulated value, which has the potential to double the amount of income you’ll have.
4. Is your retirement plan tax-efficient?
We’re sitting with a national debt that’s nearing $20 trillion and rising. And we have nearly $25 trillion sitting in retirement accounts in the United States — 401(k)s, IRAs, 403(b)s and so on — according to the Investment Company Institute. It would be foolish to think that Uncle Sam won’t figure out how to make the most of those tax-deferred dollars.
We’ve created a situation with our nation’s debt that we’ll eventually have to deal with, or it will be passed down to our kids and grandkids. You should consider a tax strategy in your plan to help reduce your tax liability.
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5. Are you prepared for health care costs?
According to the U.S. Department of Health and Human Services, 70% percent of people turning age 65 can expect to use some form of long-term care during their lives. Those are awfully high odds, and yet many Americans have no way to pay those bills — and Medicare only covers short stays under specific circumstances.
There are long-term care insurance policies, but because they’re expensive, many consumers aren’t buying. Instead, many are turning to alternative strategies, including life insurance riders that provide the option of tapping into your death benefits early. But even with insurance riders, the insurance contract must be suitable for the individual and they must have an underlying need for that product.
It really is all about planning for the worst and hoping for the best.
If you have a blueprint in place that addresses with these five concerns — a plan that’s amendable as times change so you stay on the right track — you have the greater potential to enjoy retirement.
See Also: 5 Potentially Devastating Mistakes Pre-Retirees and Retirees Make
Kim Franke-Folstad contributed to this article.
Mark A. Lloyd is the principal owner of The Lloyd Group Inc.. He is a Certified Estate Planner and a Registered Financial Consultant. Lloyd is the host of the nationally syndicated “Financial Symphony” radio show and the author of “Protect Yourself and Those You Love: Estate Planning Essentials.”
Comments are suppressed in compliance with industry guidelines. Our authors value your feedback. To share your thoughts on this column directly with the author, click here.
This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.
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Medicare Insurance
Navigating Medicare insurance can be complex, but we simplify it for you. Get expert advice on the best Medicare plans that suit your needs. Call 206-309-5005 or visit https://shopmedicarehealth.com/ for assistance.
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Discover the best Medicare plans with Shop Medicare. Our team will help you compare options like Medicare Advantage and Medicare supplement plans to find the coverage that best meets your needs. For more information, call 206-309-5005 or visit https://shopmedicarehealth.com/.
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