The cost of a croysurgery is the same whether you have insurance or not, since insurance does not cover croysurgery. Maybe you mean cryosurgery? In that case it will depend upon the situation and why you’re getting the surgery. A mole is much cheaper than an internal organ.

a 2000 sports coupe car, thats worth $9,000 or a 2005 SUV thats worth $16,000.

It depends on the actual make and model of the vehicle. Value is not a good predictor of insurance cost. Contact a local insurance broker in your area and ask them for a quote then you will have a reliable answer.

Whichever car is driven by the person for whom insurance costs more or whichever car is where insurance costs more.It is like asking "which works better, a blue cell phone or a red cell phone".The type of car is almost insignificant.The cost of the insurance is determined by who drives the car and where the car is.

there’s too many factors besides car price to say.I know a guy with a dodge neon thats beat up and from ages ago, and he pays nearly 200 a month.I have a brand new sports coupe, and I pay 75 bucks a month.Just get a quote on both cars.

umm well it would have to do on the persons ages that live in the house and how many cars you have if your in school how good your grades are and if its worth more in sureance will probly be higher

My car got hit at the beginning of the month. I filed a claim with the woman’s insurance but a week later they told me that they were "investigating whether or not they were covering her on the date of the accident". So since I am insured against the uninsured I am getting my car fixed under my insurance. Now what my insurance told me is that since the accident is not my fault I just have to pay my deductible once my car is fixed and they will pay the rest (without my premium going up). Then they will collect from the woman herself (or her insurance if it turns out she was covered). Also I got a car rental under my insurance where I pay 20% of the fee out of pocket. My insurance said that once she paid up I would get my deductible back, but the 20% I pay for the car rental is non refundable. I don’t think this is right. She should be responsible for the rental bill to, right? Once they bill her and she pays, I think I should get that money back too. Am I right in thinking this?

This is a "grey" area.

Once your insurance company pays for your damages, they have a "vested" interest to get their money back and yours, which would be your deductible. Usually if you have rental coverage on your car, they have also paid out for this coverage, so they go after them also, since they have a vested interest to get back what they paid.But most rental coverage is a set amount.
ie; $20 to $30 per day for a maximum of 30 days

Also, I have never heard of someone paying out 20% for rental, unless this amount is over the set amount on your policy.

As a general rule, if you don’t have rental coverage and pay all out of pocket, then they will not go after them for this money, since they did not pay anything or have a vested interest.You would have to go after the other insurance company and/or owner/driver for that amount personally.

So if your insurance company is paying for rental and you are paying some more, then "technically" they should go after them for the rental plus your 20%, just like they do with the car and your deductible.

But;;;;there maybe some law in your state that they are right. You need to have this clarified.

Kudos, for having uninsured coverage,otherwise, you may have had no one to fix your car and/or a rental to drive.

good luck

Even if you do not get back the 20%, you are still coming out ahead on the deal.By driving the rental car, you are not putting miles onto your car, wearing out its tires, etc., so you are saving more money in depreciation and future maintenance than the 20% of the rental is costing you.

If your house burns down and you are looking to get money from your insurance company for your losses, how do you prove what was lost (ex. tv’s, comuters).thanks

Photos or credit card statements are the easiest way.But insurance companies will presume that you have, for example, at least one television, and a bed in every bedroom.

YOU make the list.

Photographs.Receipts.Videotape.

For health care providers who accept Medicare, can they choose which Medicare supplemental and which Medicare Advantage plans they want to accept or must they accept any and all Medicare supplemental and Medicare Advantage plans

It’s not simple answer.

If you have a Medicare Supplement you can go to any provider that accepts Medicare. With a Supplement the provider first bills Medicare. After Medicare pays most of those providers will bill your Supplement. If the provider chooses not to bill the Supplement you can send the bills off to the insurance company and get payment for what Medicare doesn’t pay.

With a Medicare Advantage plan there will be doctor restrictions, and those restrictions will depend upon the type of Medicare plan you have. There are HMO, HMO/POS, PPO, PFFS, SNP, MSA, DUAL, PACE, and Cost plans.

With an HMO you can only go to a doctor in the network.
With and HMO/POS you may go outside of the network with restrictions and approval.
With a PPO there is a doctor network but you can go to a doctor that is not in the network in most cases although your costs will be higher.

PFFS plans come in two flavors – one with a doctor network and one without a doctor network. You can generally go to any doctor that is willing to accept the plan. The doctor can accept the plan today and not accept it tomorrow. They can accept it from you but not accept it from your spouse. Congress really screwed these plans so if you are considering one of these types make sure your agent explains the difficulties fully.

SNP and DUAL plans can be either HMO or PPO.
MSA plans allow you to see any doctor willing to accept the plan and they have a savings account tied to them, similar to the HSA plans except that Medicare funds the account.
PACE and Cost plans are few and far between but do have doctor restrictions.

With an Advantage plan the provider only bills the insurance company.

If you are under Original Medicare generally you can see any provider but you still are obligated to pay 20% of the costs unless you also purchased a Part C supplemental plan.

If you are in an Advantage plan (like an HMO or PPO) you can only go to specific network doctors or in a Medicare Cost Plan you can see outside docs and pay more.Advantage plans are all inclusive and you do not have to buy a Part C supplemental plan.

Doctors can accept any form of payment they wish. Usually if a Doctor accepts Medicare they will absolutely accept Medicare supplement plans since it is to their advantage. Medicare Advantage is a different story. If it is a Medicare advantage HMO the Doctor must be in the network to accept. Usually most Doctors who acceptMedicare will accept a PPO type plan unless they do not accept any insurance at all. If a doctor will not bill your ppo you canalso send a paper claim to your insurance company and they will pay their portion.

No.

None.

I assume you have already purchased the policy, if so then it would have no effect.If you haven’t purchased a policy and are considering getting life insurance and your are doing "clinical trials" because you have some kind of illness, like diabetes, then that could be a problem.If you are perfectly healthy then that would be no problem.

I’m the beneficiary of the decedent but the decedent died accidentally before telling me what company or the policy number. Who should i talk with to determine if there was a policy and how could i find the company?

You talk with their family.If you are their closest relative, you need to go through their personal belongings to try to find a will.If you can’t find one, and you’re their closest relative, you have to go to court to be made administrator of the estate.

You need legal authority to go through their financial records or pay for a search through MIB.Only the estate executor or the administrator can order that MIB report, and they’re going to ask for proof.

You talk to the executor or administrator of the estate.They are now the ONLY person who can search for a life insurance policy.

You’re probably asking, is there a website you can type someone’s name in, and find out if they had life insurance.And the answer to that is no.

You pay the Medical Information Bureau money for a list of places where the person applied for insurance.You then contact each of those companies, one at a time, and ask each of them, one at a time, if there was a policy from them.

The executor can wait until the insurance company sends a bill for more premiums.

The insurance company will get in touch with you.

They’re not "essential" to insurance.They are the terms that would be used in the definition of insurance.

Insurance Pickle was right.These are defining terms.Insurance is the TRANSFER of RISK to a POOL of similar risks in order to predict the number and severity of losses over a period of time.It can also be defined as the SHARING of RISK within a POOL of similar risks.

I was pressurised by Barclaycard into accepting an identity fraud insurance policy i was feeling unwell at the time and agreed just to shut her up basically.The thing is the next day a third party firm sent me an email welcoming me to their policy i understand i have ten days to change my mind ,Barclaycard said they will take the sum of £89.99 from my account – in 10 days time, How can i stop this from happening ?
I have not signed anything .
Do i contact the cpp firm or Barclaycard ? OR just ignore them ?
I have been through this kind of thing before and it cost me a lot of money in phone calls to get it terminated

You have at least 14 days from when you receive full policy wordings to cancel a policy – this may actually be 30 days if this is a ‘protection’ policy, but better be safe.

You don’t have to sign anything but Barclaycard should have provided you with full details of the policy terms, conditions and exclusions to comply with the Distance Marketing Directive, which came into force in 2004. If they haven’t this would also be a breach of the Insurance Mediation Directive which came into force in January 2005.

Your policy wording will tell you how to cancel it. One step would be to send your bank instruction in writing saying you do not want the policy.

I would also ask for a transcript of the conversation and pass it to the FSA as it appears that barclaycard is guilty of mis-selling. (No surprises there)

Ring Barclaycard and tell them. The CCP firm will be a subsidary/

Contact both of them by Recorded Delivery. Job done!

Can anybody give a list of relevant Federal, Illinois, and Chicago Organizations that are working to address the issue of uninsured children please!

The big one is the SCHIP program – State Childrens Health Insurance Program.Every state has one.

Start here: http://www.chipmedicaid.org/ it is the web site for children’s medicaid. A federal program administered by the state of illinois and funded by the federal government and state. Then go to http://www.chip.state.il.us/default.htm it is the web site for Illinois Comprehensive Health Insurance Plan.

If you are talking about private insurance, you can contact your state’s Insurance Commission about the problem of not being able to buy insurance for a child.

If you are a low income parent your child might be covered by a childrens health plan in your state if they have funds available and if they offer one. It is also called S-CHIP or Childrens Medicaid.