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Kaiser Permanente - healthcare marketplace help?
Hi!
So I've enrolled into healthcare marketplace back in November, and I've hit a major health issue since then and my current healthcare provider is absolutely helpless and don't seem to care enough to help me ( I have Kaiser Permanente). Is there anyway I can switch insurances past the deadline (I know its so late now) but I'm quite fed up, and super frustrated. Any advice helps!
Thank you for reading\~
Progressive - Need umbrella policy to protect assets but don't own a home in the state I reside. I live with an elderly parent with dementia.
I recently sold some commercial property and I'm looking for an umbrella policy or a large liability policy.
My problem is I live in a home that belongs to my 88 year old mom with severe dementia. The home is in a life estate deed to me, I've cared for my mom a long time, I have no claim to the home until she passes away.
We suffered significant hurricane damage, now seven months post hurricane repairs are just starting. I had to move my mom out of state with a sibling and mom is so frail she will never be able to return to her home. I am currently on the homeowners policy with my mom but expect there's going to be a problem with the current insurance company at renewal. My mom is out of state and I have no real rights to the home yet. My brother and I have POA but can't sign the deed over to me because mom has only social security and is going to need Medicaid soon. Medicaid does a five year look back. The home she owns is a mobile home, nice but not of great value. It's been in the enhanced life estate deed to me for many years. I do have a vacation home out of state, not a primary residence.
I have Progressive car insurance. I called the company associated with them and they question the liability on my mom's home. I don't know if I will even have insurance on that home soon. I would need to raise my car insurance above 100,000/300,000 and the umbrella policy would be $900 a year.
This policy seemed to depend on raising the liability insurance on my mom's home, possibility with a renters insurance policy, but that was questionable. I send money to my brother to help pay her care but it's not rent, she would then owe income tax on that and could be considered in kind help with medicaid.
There must be others who don't own a home in the state they reside who have significant assets. I've never been in this position before.
Can someone in the insurance industry advise how I can purchase a large liability policy?
State Farm - Car Vs Pedestrian
Car Came In Contact With Pedestrian
Hello All, I would just like some community input.
My mother a few days ago was driving her car in Queens, NYC, she was going about 18mph, when a pedestrian backed into traffic and came in contact with her car and was taken away by Ambulance, No damage to my mother's car and she was not injured. NYPD came and took a report and my mother's insurance. Other party literally hired an "Ambulance chaser" the next day.
In the NYPD report they state what the pedestrian said, "pedestrian pulled over her car at body shop to be looked at, she stated she opened the hood and a splash of water spewed out and startled her and she jumped backwards" (NYPD did not witness the accident and I am aware the police report does not determine fault in accidents just criminal liability, but the report is used as a tool). My mother didn't have a dash cam (lesson learned), my mother also says that someone saw a security camera footage of thr incident. I just wanna know how screwed is my family since my mom has her car and house to worry about and now this?
*Note* My mother works for the USPS and was on the clock at the time, she just drives her car to a central location on her route and then walsk her route.
I already knew State Farm would deny the claim cause my mother was on the clock. They advised the other party to file a tort claim with the USPS.
*Note, the USPS is not as transparent with its employees or customers. So I have very little faith in how this process will be handled since my mother was working at the time.
Thank you all for your input.
OneAmerica - LTC Insurance: Provide Financial and Wills?
I'm currently age 64 and in the throes of buying a LTC upfront 120k premium, "return of premium" for One America LTC insurance, and am working with a "financial advisor" who requests all my personal financial, living wills, etc.
I feel like I'm being sucked into a ruse of their playing a role of financial advisor for a fee, when all I want is purchase of the policy, which, I thought, only needs my medical records?
Help me out here...please. For upfront payment, am I being played that I have to provide personal financial info?
Healthy Paws - I have Healthy Paws for my pup and now I’m worried after seeing all these posts.
My girl will be 8 in October. Premium went up last month but nothing too crazy yet. She has a very slight heart murmur that’s not affecting her (yet) and hip dysplasia, so I’m very concerned that if I switch those won’t be covered since they’re pre existing. But it sounds like Healthy Paws will be too expensive in a couple years anyway. Does anyone know of any insurance that does cover pre existing conditions?? (That’s probably a stupid question.) Should I switch now before something else comes up?? If so, what other insurances are good?
insurance carrier - How to rent-out a low-power electric pontoon boat as optional feature at my lakefront short term rental?
I am purchasing a lakefront second home that I will use primarily as a short term rental in PA (and will use about 10% of the time personally and the home will be in my name). The sellers are transferring to me a low-power electric pontoon boat to go along with the sale. They currently also rent the home and pontoon boat as an optional add-on. The boat rental has been very popular for them and has generated a significant amount of additional rental income that I'd like to reproduce. I spoke to them about how they insure the boat and themselves from liability while renters use the boat. They provided the name of an insurance carrier that they use for the home policy and indicated the same carrier provides a personal umbrella policy that they use to cover themselves for the boat rental.
As it turns out, I use the same insurance carrier so I reached out to my agent about getting similarly set-up. However, my agent, after consulting with underwriters, told me that not only do they want nothing to do with covering the boat when used by renters, but that they will not even insure the home as long as the boat is on the premises and now require proof of sale of the boat before they will insure the home even if we were to forbid renters' use of the boat.
I'm suspecting that the sellers are operating a very risky operation where they didn't disclose everything to their carrier and they would not be covered in the event of an incident.
So, I'm looking for advice for how I may be able to rent the home and the boat but still be legitimately covered by insurance.
It was suggested to me that perhaps I could start an LLC, sell the boat to the LLC, and then operate the boat rental arm through the LLC. However, a brief search through chatgpt seems to indicate that because I would be closely tying the optional boat rental into the rental of the home, that I would be potentially stepping into all sorts of issues and the LLC would not function to "limit liability" as intended in its name.
Has anyone found a solution to this and could share their experience/advice for how to make this a reality?
**TLDR: How do I get liability insurance to cover me renting a low-power electric pontoon boat as an optional add-on feature for the renters of my lakefront short term rental home?**
Anthem - Dental Insurance
I’m looking for a new dentist and almost every dentist I calls either is out of network for Anthem or isn’t accepting new patients. I have an HSA account so I have the funds to cover any fees that I might need to pay currently but I’m unsure moving forward if I should just drop my dental insurance and just move to a dentist that I like?
I need some crown work currently so I could get that work done before dropping insurance but otherwise I just need regular cleanings and an occasional filling here and there.
Healthy Paws - Healthy Paws Deleting Comments re: Massive Premium Increases on Instagram
Healthy Paws Deleting Comments re: Massive Premium Increases on Instagram.
Quest Diagnostics - Quest charged bloodwork to former school insurance
Basically what the title says. In July of last year I got bloodwork done at my doctors office back home after graduating from a 4 year university. A few months later I get a bill for 700$ saying that they charged it to my former school's insurance as opposed to my CA state insurance.
I've gone to my doctor's office multiple times and each time they've said they'll handle it but quest keeps sending bills
I'm back in college and need to save as much as I can, is there a way to resolve this with quest? A relative is saying I should send a notarized letter explaining the situation, but I've also heard if I call quest and give them my CA state insurance info it should be better. Is that still possible, or has too much time passed? What's the best thing to do now
Edward Jones - Comparing Rate of Return in Retirement Account
My Simple IRA is with Edward Jones through my employer. My advisor, a glorified used car salesman, claims that it’s not fair to compare my returns with him to either the SPTMI or my own Roth IRA. His reasoning is that because it sees contributions twice a month, there’s always recent contributions that have not grown which makes the return seem lower. The account is only two years old and has about 10k in it. It shows about 12% growth for 2024 while the SPTMI and my ROTH IRA (30k, maxed early in the year, 80/20 VTSAX/ VTIAX) showed about 24%. Does his explanation hold any weight? My returns over the last rolling year are negative by <1% while my ROTH is up over 13% still just because of how strong last year was.
Appreciate anyone’s input!
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