Mandatory health insurance, car insurance... Why not mandatory life, home, renter insurance too?

Mandatory health insurance, car insurance... Why not mandatory life, home, renter insurance too?
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In many cases home insurance is mandatory or they will not let you buy the home.
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Shouldn't it be mandatory that Congress and the Senate fully participate in any Health Care System they deliver to the American public without exception?

Description : Shouldn't it be mandatory that Congress and the Senate fully participate in any Health Care System they deliver to the American public without exception?

Last Answer : I’d rather turn this around and say, shouldn’t the entire American public be entitled to the same level of coverage and care that is provided to Congress? After all it is a Government Program. If they don’t dread it for themselves, why do they dread it for us?

If a health insurance provider penalizes a person for smoking, shouldn't they penalize overweight people too?

Description : If a health insurance provider penalizes a person for smoking, shouldn't they penalize overweight people too?

Last Answer : answer:Isn't that their business? Are you concerned the fat people aren't paying enough - or that the poor insurance carriers aren't making enough money? The important thing is that this is but one more ... allowed to smoke in the privacy of their homes only - and that is if they have no children.

Can anone help me as to how can I get insurance renewed for my two year old car without paying too much for insurance?

Description : Can anone help me as to how can I get insurance renewed for my two year old car without paying too much for insurance?

Last Answer : You could go online and do some comparison shopping between direct companies, but unless you either raise your deductible, lower your liability limits or drop comp and collision (not a good idea ... similar premium. Talking to a good insurance agent about your specifics is probably the best idea.

Will we have mandatory driving scores like credit scores? (Details Inside)

Description : Will we have mandatory driving scores like credit scores? (Details Inside)

Last Answer : answer:That may fly in Canada, but the Fourth Amendment issues involved make it unlikely in the US, at least not without a years-long legal battle. If they want that information ... all cars built since 1996. It got canned because it contained similar information tracking/transmission abilities.

Does health insurance cover aides coming to your house?

Description : Does health insurance cover aides coming to your house?

Last Answer : No, not normal insurance. Health aides are covered for a period of time (change dressing, take BP, administer medicines). Housework like cleaning, cooking, etc. – is not covered by normal health insurance. You can get supplemental (Aflac and such) that will cover other services, but that’s extra.

Has anyone applied for the Market Place 2018 (Obama) health care insurance or had it before?

Description : Has anyone applied for the Market Place 2018 (Obama) health care insurance or had it before?

Last Answer : I did it for 2017. I feel like I didn't have great advice from other people when I did. I will likely make too much money and wind up owing money. I knew I would be cutting it close though, ... marketplace and subsidy was going to be my best option, I wish I had had a broader discussion with her.

Who has no health insurance coverage?

Description : Who has no health insurance coverage?

Last Answer : I don’t. I live in Australia. Woot it doesn’t matter yay!

How often have you said, "Thank God I have (health) insurance!"?

Description : How often have you said, "Thank God I have (health) insurance!"?

Last Answer : answer:All the time. I have A LOT of medical issues on top of my mental issues. I went into the ER one night, stayed there until admitted the next morning. I had my gallbladder out that day, spent the ... that one day I'll get a letter saying I owe $50,000 for this surgery. I was/am amazed.

Should hypochondriacs have to pay more for their health insurance?

Description : Should hypochondriacs have to pay more for their health insurance?

Last Answer : answer:This is a difficult concept to address, as determining actual hypochondria can be dicey. Your friend sounds like an extreme case, therefore fairly easy to diagnose, but often people (mostly ... call to make, there are conditions that are difficult to diagnose, and therefore oft dismissed.

Can you please tell me how deadlines and open enrollment have improved health insurance coverage in the United States?

Description : Can you please tell me how deadlines and open enrollment have improved health insurance coverage in the United States?

Last Answer : answer:It's been like that for a very long time. It didn't just start happening. If you get hired and you pass the probation period, they will give you the health benefits at that time. If he had been ... I'm not sure about the laws in your state. This is how it's been here since I can remember.

Should my son have to carry health insurance on his daughter?

Description : Should my son have to carry health insurance on his daughter?

Last Answer : answer:It sounds like your son is electing to have family, rather than individual coverage and that's why he's paying the extra. Usually one plan will be primary and submitted to first and then ... 's mother unless there is a divorce stipulation that he provide. Boy, life can sure be complicated!

Why would a US company want to provide health, or for that matter, any kind of insurance?

Description : Why would a US company want to provide health, or for that matter, any kind of insurance?

Last Answer : We provide it because it is the right thing to do. As a result, our most recent hire was more than 10 years ago. We take care of our employees and our employees take care of us.

Do you think religiously run institutions should be mandated to cover birth control in the health insurance they offer?

Description : Do you think religiously run institutions should be mandated to cover birth control in the health insurance they offer?

Last Answer : answer:As a Roman Catholic, I say yes. Catholic Health Services cover a large percentage of the local hospitals, to deny parts of necessary health care to people is unconscionable. A very high percentage of Catholics use birth control of one sort or another.

Any recommendations for health insurance for the self-employed?

Description : Any recommendations for health insurance for the self-employed?

Last Answer : Contact the local Chamber of Commerce or National Association of Self Employed for their recommendations, it may be regional for specific policies.

What do you think of my health care insurance problem?

Description : What do you think of my health care insurance problem?

Last Answer : How much was the procedure? How much has been paid for by First Choice? I would think that Tri-Care should pay the difference.

Do you think insurance companies would ever get to the point where obese people are required to have weight loss surgery or be dropped from their health insurance policies?

Description : Do you think insurance companies would ever get to the point where obese people are required to have weight loss surgery or be dropped from their health insurance policies?

Last Answer : No, I don't think surgery will be required. I predict the rates obese people pay for insurance will be significantly higher first. I can foresee a time when a notice will be give that at your ... BMI must either be below a certain number, or you must show an x% reduction since the previous year.

Why would a health insurance company not want to pay for something that will save them money in the long run, even if they have to pay in the short run (for example weight loss surgery)?

Description : Why would a health insurance company not want to pay for something that will save them money in the long run, even if they have to pay in the short run (for example weight loss surgery)?

Last Answer : answer:We’re asking why anything insurance companies do makes sense? They’re a company that profits off taking money from people that can’t afford it, and telling those same people they don’t deserve to be treated for their illnesses. They are, indeed, the scum of the universe.

Can someone help me understand what portability health insurance is?

Description : Can someone help me understand what portability health insurance is?

Last Answer : I may be wrong on this, but I believe portability insurance would mean you can continue the policy with no time limits after leaving the job; COBRA only continues for 18 months after you leave the job. I think either could or could not have dental depending on the plan you were coverd under.

So are the Americans without health insurance insured now?

Description : So are the Americans without health insurance insured now?

Last Answer : answer:Ha ha! Hardly. No we will in a few years time be required to buy private health insurance (with some receiving subsidies from the government) or be subject to a fine. Naturally those ... civilian government employees, e.g.) are exempted. In related news, beefburgers are still $.99

Does this health plan mean that folks who don't want insurance still have to buy it?

Description : Does this health plan mean that folks who don't want insurance still have to buy it?

Last Answer : You buy a plan or pay a fine.

Questions on health insurance?

Description : Questions on health insurance?

Last Answer : You have put your finger on the nexus of reasons for health care reform. Because the private insurance companies have to make money as opposed to a single payer system (the government).

What benefit do health insurance companies add to the health care system?

Description : What benefit do health insurance companies add to the health care system?

Last Answer : I agree, @daloon, but once entrenched it would difficult to dislodge them as we are finding out now. They are willing to expend an awful lot of money to avoid even the appearance of what they view as the slippery slope to a single-payer system.

Health Insurance recommendations family of two 19yr olds?

Description : Health Insurance recommendations family of two 19yr olds?

Last Answer : Private health care insurance can be expensive. If you are generally healthy and can't get insurance through an employer, I would cover all the small stuff yourself and look for a policy that will cover ... burden. Why can't the richest country in the world see health care as a basic human right?

What should I look for in choosing a Health Insurance Plan?

Description : What should I look for in choosing a Health Insurance Plan?

Last Answer : I like having a PPO plan so I can see whatever doctor that participates in the plan. RX coverage is often covered but always check, never assume. There’s a lot of variation in dental plans. If you have a dentist you like, just ask them what plan they’re on.

Any idea on how a health insurance company determines eligibility of surgical procedure recommeded by one's doctor?

Description : Any idea on how a health insurance company determines eligibility of surgical procedure recommeded by one's doctor?

Last Answer : I know with all of our daughter's surgeries they have to be pre-qualified. We had a nurse who worked for the insurance company who advocated for our daughter's care at some points because ... paperwork and requests it explaining why you need this, that might carry more weight also. Good luck!

health/dental insurance for the poor?

Description : health/dental insurance for the poor?

Last Answer : answer:Talk to a broker or call health insurance companies and ask about individual plans. These are usually designed for people in your demographic and can run pretty reasonable in terms of monthly ... the name State Coverage Initiative. Look up your state's Department of Health online or call.

New job, how do I smartly choose the best health insurance option?

Description : New job, how do I smartly choose the best health insurance option?

Last Answer : answer:Congrats! Hope you like the new job. PPO generally gives you better rates/copays for staying in their network of preferred providers (doctors with whom the health insurance company has negotiated favorable ... m 90% certain the above is correct, but talk to your HR manager to be 100% sure.

So we have decided that it is time to get Health and Dental insurance for the people that work at my small business.

Description : So we have decided that it is time to get Health and Dental insurance for the people that work at my small business.

Last Answer : answer:The NCQA independently rates and accredits health plans. You should be able to compare health plans available in Oregon with their report card feature. http://hprc.ncqa.org/ You're probably ... 't know whether their commission comes from you or from the health plans they represent, though.

How can I find a reasonable health insurance policy?

Description : How can I find a reasonable health insurance policy?

Last Answer : Blue Cross/Blue Shield, Aetna, Humana are a few carriers who offer inexpensive bridge coverage for people between jobs, recent grads or anyone needing individual, generally short-term coverage. I ... deductible and lowered his monthly payment from $550 with COBRA to less than $100. Try google

How can there be enough money to pay for credit default insurance if the general rate of interest is too low to cover the risk of the loan?

Description : How can there be enough money to pay for credit default insurance if the general rate of interest is too low to cover the risk of the loan?

Last Answer : It has to do with fractional reserve banking and the extensive money (whatever that is) which is created by selling debt. Debt multiplies money held in reserves. The actual worthless paper dollars ... but I imagine their debt is insured by the same companies as the bank. Companies like AIG.

What's the best way to obtain insurance for a first-time car buyer?

Description : What's the best way to obtain insurance for a first-time car buyer?

Last Answer : Have her get quotes from AAA, State Farm, and Geico. All will give you free quotes. Has your daughter been on anyone else's (yours) insurance? That insurance will happily give her a rate based on moving ... on my policy so she could give it to the agent, even though she was coming off my policy.

Can I own a car without a licence or insurance if I don't plan to drive it?

Description : Can I own a car without a licence or insurance if I don't plan to drive it?

Last Answer : I don’t know the laws in Canada but in the US (California anyway) you would have to file an affidavit stating that the car was non operative. You can get XM on a handheld device and if you want to spend money on a nice chair you can

What was the answer for this bizarre extra credit question, involving car insurance?

Description : What was the answer for this bizarre extra credit question, involving car insurance?

Last Answer : Car insurance goes by the car, not by the person. So the car owner’s insurance would cover if the damage is considered a covered event by the insurance company.

When a person gets a DUI, how does it affect their car insurance and for how long?

Description : When a person gets a DUI, how does it affect their car insurance and for how long?

Last Answer : It depends on the laws where your license is issued. It also depends on whether it’s a first offense or a repeat. The best way to be sure is to go to the Motor Vehicle agency website for where your license is from.

Car Insurance Question: Would a policy cover this damage?

Description : Car Insurance Question: Would a policy cover this damage?

Last Answer : If the other driver is insured, his/her liability insurance would cover some of it up to his coverage limits. If they're uninsured it would come back to your insurance. In that case you'd have ... policy and what are the dollar limits. You could be covered or screwed, depending on what's covered.

Can you put an adult child on your car insurance policy, even if the title to the car is in their name?

Description : Can you put an adult child on your car insurance policy, even if the title to the car is in their name?

Last Answer : KatawaGrey has her own car, in her name, but my policy covers us both. We have Progressive and we live in CT. Does that help?

How to loan someone a car with car insurance?

Description : How to loan someone a car with car insurance?

Last Answer : Your auto insurance should cover having other people drive your car.

Can you get (cheaper) car insurance for a rental car? I.E. Not from the rental company?

Description : Can you get (cheaper) car insurance for a rental car? I.E. Not from the rental company?

Last Answer : If you own a car, ask your insurance company if your insurance covers rentals.

How long does it take for car insurance costs to go down after recieving a DUI?

Description : How long does it take for car insurance costs to go down after recieving a DUI?

Last Answer : Have you called your car insurance to ask them?

I was rear ended by a car yesterday and the guy doesn't have insurance. What are my options?

Description : I was rear ended by a car yesterday and the guy doesn't have insurance. What are my options?

Last Answer : Are there charges from the car in front of you that you hit? Can you just give the guy the estimate from the repair company and let him pay for it like he told you to? If it wasn't your fault, I ... your insurance company will make you pay for it even if the other guy doesn't. Right? I don't know.

Which car insurance is best for a first time driver?

Description : Which car insurance is best for a first time driver?

Last Answer : My fiancé made the mistake of not shopping around before choosing his insurance. He went right to Progressive Insurance and believed them when they assured him they have the cheapest policies available ... try and take extra driving courses and classes. It will often help lower your insurance cost.

I was in a no fault fender bender yesterday in which the car behind me hit me as I avoided another car. I was skidding on ice and was sliding down the road perpendicular to the lanes. Will my insurance go up?

Description : I was in a no fault fender bender yesterday in which the car behind me hit me as I avoided another car. I was skidding on ice and was sliding down the road perpendicular to the lanes. Will my insurance go up?

Last Answer : no.. (i think not) well.. it depends on what the inspector sent by the insurance company thinks about it.

Car insurance question?

Description : Car insurance question?

Last Answer : was the truck parked in your driveway or on the street?

Car insurance question?

Description : Car insurance question?

Last Answer : Look around for another company. See what you would be charged. Most insurance companies give a safe-driver discount, and when you have a claim, the discount is removed, therefore higher payments.

Should I buy collision insurance for my older car?

Description : Should I buy collision insurance for my older car?

Last Answer : Depends. The insurance you need to have is liability and damage to another vehicle so that if you injure someone, or damage someone's car in an accident, you have some coverage. Collision insurance for an old car ... tends to go up. If the car is worth less than $4000, it's probably not worth it.

Should I buy comprehensive insurance for my used car?

Description : Should I buy comprehensive insurance for my used car?

Last Answer : answer:If it is the classic in your picture- yeah, probably. Comprehensive covers things other than crashes with other cars (e.g. a flood ruins your car). It's just about risk vs. benefit I suppose. You might ... it or vice versa. However, you asked this in 2006 and I assume you're all set by now :)

Who should I use for car insurance in California?

Description : Who should I use for car insurance in California?

Last Answer : If you can become a member of USAA (by have a parent or grandparent in the militray--I didn't realize I was eligable for years), they are by FAR the best. Amazing service, absurb prices.

What kind of insurance should I buy from a rental car company?

Description : What kind of insurance should I buy from a rental car company?

Last Answer : It depends on how much liability you want to leave with your personal insurance company. this decision is completely in your court... many people buy everything to have no risk whatsoever.. other people take their chances and don't take anything... or take partial coverage, etc

Whats the best car insurance?

Description : Whats the best car insurance?

Last Answer : I just realized this question was asked recently...

What's the best car insurance in the San Francisco Bay Area?

Description : What's the best car insurance in the San Francisco Bay Area?

Last Answer : AMICA is amazing.