I am sick of paying premiums thinking I have cover only to find out that when I make a claim Im not
How can we, the consumer, get a policy that covers us for what we believe we are paying for and know that we are covered? I am so over paying premiums only to find out when making a claim that I have been wasting my money as what I thought I was covered for I am not
Insurance is one of those necessary evils: Insurance companies make money when people don't claim or when they can get out of paying a claim. So, they will do everything they can to find a way of not paying.
My dad always used to give me this guideline about insurance which I still follow. If you can afford the loss then don't insure. If you can't afford the loss then you need to insure. Of course there are also legal issues requiring you to insure for liability on auto and when there is a lien holder.
Other than that, all you can do is read as much of the policy information as you can and discuss certain situations with the insurance agent to see if they are covered. I think they are generally honest.
by Harvey Stelman 8 years ago
by Holle Abee 6 years ago
I like most of Obamacare, although I still have reservations about the individual mandate. On one hand, I don't like the idea of people being forced to buy a product, but on the other hand, I don't like having to help pay for ER visits for those who don't purchase insurance. I like that more people...
by Kristin Trapp 5 years ago
What is the difference between whole and term life insurance?Is the amount of time each insurance policy lasts the only difference or are there others? Does age play a role in determining which one is the best type of life insurance for me and my family?
by Eric Newland 6 years ago
I ask these without a hint of sarcasm, because I genuinely want to know. This is your chance to educate a non-believer.1. If the Supreme Court upholds the mandate, what will happen to the people who don't have health insurance because they can't afford it? Will they just be forced to buy something...
by linda squire 7 years ago
why are we paying for health insurance with our employer when you cant use it for any...preexsisying condition in my case that is everytime i need to see a doctor do i have to die because i can not be covered
by Dr Abby Campbell 4 years ago
How much is your current medical insurance premium increasing due to ObamaCare?I'm just curious how many people have received notices from their insurance companies on the rise of premiums for the upcoming year? I just received my notice from Blue Cross Blue Shield. It usually goes up a few dollars...
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