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How do health insurance deductibles work?

I'm looking at individual health insurance plans. All of them say they have a deductable of $500 - $5000. I'm reading the plan overview and it's explaining what the plan covers. It says prescriptions are covered after deductible, office visits are covered after deductible, and so on. Does this mean if a plan has a $5000 deductible that the health insurance company will not cover anything until after I've paid $5000 out of pocket on healthcare? Does that mean that if I had to go to the emergency room i'd have to pay for it myself until I've paid up to $5000? I'm really confused. I want to get temporary health coverage, but I don't see what the point is if I'm going to have to pay out of pocket anyways. Does anyone know how this deductible stuff works? I'd appreciate the help. Thanks

   








Where to go for car insurance?
Where are we going to get our health insurance?
How to get auto insurance quote/ estimate without a car?
Which cars have cheap insurance?
Insurance help please?
I am a new driver look for the cheapest car insurance possible i would love if anyone can point me into the right Direction?
Why is my car insurance so expensive?
Can you insure a vehicle registered in one state, with insurance from a company registered in another state?
Why is auto insurance so expensive?
A question about car insurance?
Are there different types of car insurance?
What are the chances of me 'winning' this car insurance claim ?
Do you cancel an auto insurance quote?
Car insurance excess reclaiming?
Approximately what would the average auto insurance ..be for a 26 year old female no priors first time driver be in a low profile car?
Wife and I separated, why she want me sign an auto insurance exclusion form ?
Im 18 years old and need insurance.. Any ideas?
Insurance at sixteen?
Where can I go for affordable prescription glasses being that I do not have any insurance?
Does anyone know how much insurance would be on a Toyota Celica ?
AUTO INSURANCE SURVEY?
Could someone tell me how to get a speeding ticket reduced?
AAA insurance?
Where can I find the cheapest possible car insurance?
What are some of the largest/best insurance IMO's and FMO's to contract with for Life and/or Health?
College and car insurance.?
Car insurance quotes?
How much for a 16 year old boy drive a h22 civic for insurance how much would it cost?
How much is a insurance for a mustang?
How long does it take for an auto insurance company to investigate and claim liability?
If a person lies about their age on a life insurance application, will the claim be deniable?
How much do you pay for your auto insurance per year?
How dos US car insurance work compared to english car insurance?
How dos US car insurance work compared to english car insurance?
Young married couple, low cost health insurance with Rx?
Looking for health insurance for a parent?
I'm interested in getting life insurance?
Is a 2000/2001 BMW 323ci an expensive car to insure?
Injured at sisiter's house, should home owner's insurance pay lost wages?
My car was totalled when I got rear-ended. How do I get the best price for it from the insurance company?
How to get Cheap Health Insurance?
Purchasing car insurance?
How do teens afford luxury cars?!?!?
How can i find out if someone has insurance on me?
Car insurance for Teen?
What is the goal of Democrats in all this demonizing of police in America? You think this is part of a longer term strategy to get guns out?
Is it illegal to use a wrong address on your car insurance?
Can a e3 in the military afford a 2015 zo6 corvette?
Can a named driver get covered for business insurance on the policy insurance company sayin no is this correct?
Teenage girl + BMW M3?
https://propalatnapi.wordpress.com/2017/06/03/i-need-health-insurance-is-it-possible-to-get-it/

https://inchrisinalal.wordpress.com/2017/05/31/car-insurance-for-my-car/






























































Will my car insurance cover damages to my car since my wheel fell off?
Thanks for looking. I was about to take off and go run some errands. I then noticed a noise coming from my front driver wheel. I decided to turn back home, and after 1/2 a mile I was home, and was about to turn to park when my front driver wheel rolls of my car. My car just dropped to its disc, and I probably kept going for about 4-5 feet. There is at least a couple grand in body damage that I can see. Will my auto insurance cover this even though Im the one who last changed the tires on my car? Can there be damages I cant see if it fell on the disc? Thank you"


Exceptional First Car With Low Insurance?
I am straight 'A' student, and I have completed the Driver's Education course at my highschool. My family does not really make that much money, but my parents would like to buy me a car at an exceptional rate. I am probably only going to live in Florida for another year, and then I am moving out to California. Depending on what type of car I decide to get, I don't know if I will be taking it with me or not. My mom wants to buy me a brand new car, meaning a current 2008-09 model, but I keep explaining to her that it's very hard to find a cheap new model (unless someone knows something I don't?). I would just like some third party input on this decision. What is the best car company, and what car model would have the lowest insurance rate? I have tried researching Mazda, Acura, Nissan, and Honda, because I prefer these companies; however, I haven't had any luck because I'm so new to shopping for a vehicle. I like hybrids, and it would help if I am able to get a car with great mileage as well. Of course, I'm sure many of you know this is because of our depleting economy, lol. Ok, I don't mean to make this a book, I'm just trying to give as much information as I can so I can maybe get a clear answer. Thanks in advance =)."


"Covered California applying for insurance, I have a question about household? Please help.?"
I moved to California from Nashville almost 3 years ago. I live with my girlfriend and her family. I am not related to them and I have to apply for insurance. In their household, she has a father, mother, 2 sisters and a niece. I don't have a job right now, but I did work and had two jobs and earned my own income. So when applying for insurance, and I want to apply for myself do I have to add them to the household. As well, when her father tries to apply for coverage for her and her mother and sisters does he have to put me under the household or not? Thank you very much have a great day."


I have my drivers license but no car/insurance. My boyfriend's car is he/his car are insured. What will happen if the police pulled me over?
I have my drivers license but no car/insurance. My boyfriend's car is he/his car are insured. What will happen if the police pulled me over?


Need help with Car Insurance?
I am a 17 year old male in california, who just bought a 92 Buick Skylark and I need to no what would be my best bet when it comes to getting insurance, I would like cheap insurance, as cheap as I can get. I have shopped around and its not helping. PLEASE DONT SAY LOOK IT UP YOURSELF CAUSE I HAVE AND I AM ASKING FOR SOME HELP!!!"


Why do insurance companies charge first and last?
I had a nice Allstate agent call me and discuss my insurance with me, give me a lower rate and then come pay time, tell me that they require first and last. When I asked her why the last, she could not provide a good answer. I know not all insurance companies do this, but what is the point? When asked when I would get the last back, she said when I cancel my policy some day!! What if I don't want to cancel..ever? This does not make sense to me at all. Why keep my money there for nothing? When one does cancel the policy, do they get the money back with interest on that? Once confronted with these questions, the agent was not so nice any more. Can someone please answer the above?"


Can i drive with just insurance?
is it ok for me to drive with just insurance on my car for a certain amount of time?


Texas insurance licensing exam?
I am studying to take the exam and was wondering how close the Unit Tests in the book are to the actual test and how difficult the test is. Thanx.


What is a territory number in home insurance?
I am searching for new home insurance and I have two different territory numbers and protection class numbers on the quotes. Can you tell me why?


Why do employers call retirement and insurance compensation when they aren't?
Since apparently the only real compensation that the employee has control over is the wage they recieve. What the employee does after they recieve their wages is their private business so far. But their retirement and insurance are not. Do I have this right?


Car insurance wrong information coverage upon car purchase..?
i bought a new truck, i am a first time car buyer and got the independent insurance agent the dealer had.... the agent told me that he was informed by the insurance agent that i will have a one (1) year coverage for the auto insurance as well as the amount of my monthly premium.. when i got the policy i was shocked to find out i only got six months coverage for the insurance and my monthly premium increased... they got PROGRESSIVE as the insurance company. i have already paid the required first six months"" (according to the agent) insurance premium and have to pay monthly for the remaining 6 months... which is not the case when i got my policy... is there a way how to handle"


Car insurance help!!?
ok, im trying to get the cheapest insurance possible. i am 18, i have over a 3.5 in high school, i took drivers ed, and i have never had any problems with the law. oh and if it matters i live in oregon so which car insurance company will be the least expensive?"


I have a question bout gettin insurance?
i would like to know which car insurance company is da lowest in price


"Can you suggest a good,affordable health insurance plan?"
I am an adjunct instructor at two colleges in Michigan. Neither institution offers health insurance for adjunct instructors. For the last three years I have been getting health Insurance through a postdoctoral fellowship. Now this fellowship has come to an end, and I am in desperate straits. I have heart problems and I need specials medicationss for depression and attention deficit disorder.What do I do?"


How much is car insurance for a student?
I am going to get a BMW 328i 2011 soon and I was wondering how much insurance would cost? If it was connected to my moms insurance. I am turning 16 by the way. Please answer back, I really need to know asap"


How do health insurance deductibles work?
I'm looking at individual health insurance plans. All of them say they have a deductable of $500 - $5000. I'm reading the plan overview and it's explaining what the plan covers. It says prescriptions are covered after deductible, office visits are covered after deductible, and so on. Does this mean if a plan has a $5000 deductible that the health insurance company will not cover anything until after I've paid $5000 out of pocket on healthcare? Does that mean that if I had to go to the emergency room i'd have to pay for it myself until I've paid up to $5000? I'm really confused. I want to get temporary health coverage, but I don't see what the point is if I'm going to have to pay out of pocket anyways. Does anyone know how this deductible stuff works? I'd appreciate the help. Thanks


"Got into a car accident, insurance cancelled?"
so my insurance claim, expires december of this year...i kind of lagged on paying it...last payment was made in february...i got into a car accident today and other car has minimal damage. as soon as i got home i tried paying my overdue amount of insurance but of course the automated machine said policy cancelled. and i cant talk to a representative until monday. im freaking out. and before i remembered i hadnt payed...i filed a claim!! what do i do!? im calling monday and will pay my overdue if they allow it...but what going to happen to me? its my first accident...will i get my licensed revoked?"


If you have a learners permit and insurance and is 25 years old will the DMV allow you to get a tag in Florida?
If you have a learners permit and insurance and is 25 years old will the DMV allow you to get a tag in Florida?


Does car insurance cost the same for every car?
I'm 18 and right now I have 800 for a car, but the one I want is 4000, would the car insurance on that cost more than the 800 one?"


Does anyone know where I can find affordable auto insurance for a single parent of two?
I just purchased a 2006 Chevy cobalt four door and I need insurance that will work on a single parents income and I need it yesterday. Can someone help?


Do I need car insurance...?
I have a car that will not run at my residence but is still in my name. Do I still need to have car insurance on it? I have a personal insurance that just covers me but not on any specific car. I live in Florida if that helps.


Giving out your Social Sec # when getting insurance quotes?
MSAD: I'm withholding information by not surrendering my social sec # to some desperate insurance sales agent who MUST make sales to make a living? If you provided some info as to how the insurance companies are LEGALLY BOUND to protect clients' or potential clients' personal info, then that would have been a better answer. Of course, the insurance sales agent doesn't have to give me a quote. I'll just go to another agent and YOU LOSE MY BUSINESS."


Insurance estimate?15?Sportbike?
I will be 15 and 9 months with a permit. I will have a Honda CBR 600RR and i was wondering how much would my insurance be? What the chapest and how can i get the cheapest. ill be a carefull rider.


How to become a part time independent insurance broker in Ontario?
Hi, i would like to know how to become a part time independent insurance broker in Ontario? Educational requirements? Professional certificates? Professional experience? License requirements?"


Why does car insurance never get cheaper?
Eddy T I'm 37 LOL!


"Does home owners insurance cancell upon death., or continue if beneficiary pays and stays?"
Have lived in home 3 years caring for parent. Established as my primary residence.Will inherit and have paid all insurance ,association dues past year.does insurance usually cover presentv resident even if deeded to yet. I have paid for home."


Getting pregnant & getting Insurance?
I was hoping to start trying to get pregnant within the next 3-6 months. I am a little discouraged after searching on line and finding many people saying most insurances have a waiting period anywhere from 6 months to 2 years!! Before they will cover maternity. Is this true? So I guess I should seek insurance coverage like yesterday if I plan on getting pregnant anytime soon, huh? I do DEF want to use a midwife. Maybe I should just pay out of pocket & spare myself the hassle of insurance. DID YOU USE A MIDWIFE W/ or W/OUT INS??"


How much would i expect to pay insurance on a chevy nova?
I might be getting chevy nova from a guy in town but i need to know how much insurance will b or else i cant get it.... i know there are a lot of variables it is rwd(obviously lol) and has 350cid engine.... i believe we have nationwide insurance so ya... i would use it as a an everyday car too...


Health insurance for a pregnant college student?
Okay, so my baby is due in August, and that will be in between semesters. so the only way that my parents insurance will cover me is if I am still considered a full time"" student"


Will auto insurance company pursue at fault driver if damages are less then deductible but I pay deductible?
I was rear-ended. Other driver found at fault. The damages will probably be in the $700-900 range and my collision deductible is $1000. I have no problem paying the full $1000 deductible but if I do is my insurance company obligated to pursue the at fault driver and recover on my behalf?


What is a good starting salary for a 440 agent?
I've recently changed my career field to a 440 insurance customer service representative. Although the I'm new I'm very knowledgeable in this industry. I interviewed and the boss wants me to request my salary and bonus structure. This is what I came up with ... $12 hour and $30 per policy that commissions under $200 and $75 per policy that is over $200 commission. I'm located in Florida if that helps as far as pay wise goes.


How do health insurance deductibles work?
I'm looking at individual health insurance plans. All of them say they have a deductable of $500 - $5000. I'm reading the plan overview and it's explaining what the plan covers. It says prescriptions are covered after deductible, office visits are covered after deductible, and so on. Does this mean if a plan has a $5000 deductible that the health insurance company will not cover anything until after I've paid $5000 out of pocket on healthcare? Does that mean that if I had to go to the emergency room i'd have to pay for it myself until I've paid up to $5000? I'm really confused. I want to get temporary health coverage, but I don't see what the point is if I'm going to have to pay out of pocket anyways. Does anyone know how this deductible stuff works? I'd appreciate the help. Thanks


What is the best and cheapest car insurance for a first time driver?
I have been driving for about 3 years now. And now I am saving up for my first car. I just want to know whats the best car insurance because I know its gonna be pricey because I am a first time driver and under 25. What do you suggest I should try? I am still doing my research regardless but I want to be prepared to pay for at least 6 months in advance because I am still in college as we speak. I just don't want to worry about that every month when I get the car. Thank you !!


What is the best insurance company?
I am looking around for health insurance, but I don't which one is affordable. So, can anyone tell me which ones are the best ones? My employer does not provide health insurance."


Why not lower heath care insurance than universal health care?
I pay $450 a month for my health insurance, why dont they just cut the cost in half? Then people could afford it. Its alot for me but worth it, i had spinal meningitis at 18 and without id be dead."


What the best insurance company that affordable to get for a new car?
looking for car insurance?


Does anyone besides myself think that hair transplant surgery should be covered by health insurance?
Side note: I'm tired of hearing all about how bald men are sexy! We're all entitled to our opinions... but I'm not one of those people who just goes Well


Why is my car insurance going up when moving to nicer area's?
I live in a High crime area on a council estate and my car is insured as parked in bay as that was cheaper than locked compound. Currently a quote today is 350 with 75 access for my 2.5 BMW. I'm looking to move to a better area. But I'm finding my premium is in excess of 600 even in an a band A rated area and parking on drive as there isn't communal parking bays. I know parking on drive at my address ads 15. I can get insurance for 450 but that's with a 200 access. Its not just my car but whole family 3 cars that's 1000 a year extra to keep our policeys the same and my son is soon to be 17 so if its doubling ours I dread to think at 3k it would be 6k if we move. I cannot understand???? I did wonder if its because people are more likely to claim in better area's for damage and roberys. Very annoying when your maxing your finances on a mortgage and to get away from crime to be hit by massive insurance increases. Any facts as to why its doubling cheers


Do i need car insurance for a family member to teach me to drive?
I am 17 in 2 weeks and am going to start my driving lessons, along side my lessons with a licensed instructor I would like my mother to also give me some extra help like driving around quiet roads, or in a empty car park. For this I need insurance but I obviously don't want to pay full out insurance for just learning. I have heard of something called learner driver insurance would this work for what I want to do? If so do you have a link of where I could buy it or know any other way that I could legally learn to dive in the car? Thanks Josh"


Is Progressive really cheaper then the other insurances? i have allstate right now.?
Is Progressive really cheaper then the other insurances? i have allstate right now.?


"Looking for health insurance help, first time buyer!?"
Is there some site somewhere that offers a very comprehensive aid for individuals trying to get health insurance for the first time? I've been off my parents for a while now, but just had to go to the doctor and drop almost 150 just for a visit. I tried looking up a few things, but the terminology gets incredibly wordy and confusing. Is there some kind of help site for situations like this? Thanks!"


What's the average compression ratio for a car to be considered a sports car?
I know each insurance company has they're own compression ratio's for car but what would be the AVERAGE


Cheap car & insurance for young male driver?
Cheap car & insurance for young male driver? My brother is 23. He has passed his licence 2 years ago and his pass plus 1 1/2 years ago. He's still struggling to find a car & insurance that he can afford. He's not fussy about the type of car so long as it's not a girls car (ie chiqichenco). The insurance can be third party etc. He has a budget of 400 for the car, what should he buy? The insurance quotes so far for various 1.0l-1.3l cars have all been over 1000 which is out of his price range. Any help would be greatly appreciated. xxx"


What is the average cost of sr-22 insurance ??
i need to sr-22 to get my license back after 7 years w/o driving. i lost it in 2001 due to a dui, and haven't driven since. its finally time for me to start my life over, and this is a major step to do it. i learned from the dmv (ca) that i need the sr-22 + insurance, and just a 125.00$ reinstatement cost. i know there are a lot of factors to consider, but just an idea of the cost would be great."


Can I get tricare health insurance if already pregnant?
Can I get tricare health insurance if already pregnant?


"Need answer to a Question about Auto Insurance settlement,details below?"
2 cars,1 accident,other driver 100% at fault(said he was in front of everyone),was cited.Backing up in their lane,accident happened.1 and only estimate(so far) on injured parties car is approx. $2000,worth more then the car is worth (NADA and blue book put worth at about $1200).No pain and suffering,emotion duress,or inconvenience because injured party did not go to hospital etc etc.4 days of work missed.I had to pay for rental car on my own expense and his insurance has not offered to extend the rental as of yet.I have no rental coverage on my policy.The other driver is not the owner of the car is was driving.Been 6 days since the accident.Lawyer in 2-3 days is going to write legal letter to other guys insurance if quicker and better service is not provided to injured party.My insurance has called his insurance for better and quicker settlement. Questions ------>Am I doing all that I can do to get the rental car extended?Am I doing all that I can do get what I need because of being the injured party in the accident?Is it common practice in auto insurance industry to Buy Back"" your own car at 10% of settlement check?Any ideas or suggestions would be helpful"


Health insurance help..family of 6?
Deductible $10,000 coinsurance 0%...what is this?? doctor visits 0% after deductible $178.38 Monthly Cost is this good??? i know it depends on the cost of the doctor's office too."


How do health insurance deductibles work?
I'm looking at individual health insurance plans. All of them say they have a deductable of $500 - $5000. I'm reading the plan overview and it's explaining what the plan covers. It says prescriptions are covered after deductible, office visits are covered after deductible, and so on. Does this mean if a plan has a $5000 deductible that the health insurance company will not cover anything until after I've paid $5000 out of pocket on healthcare? Does that mean that if I had to go to the emergency room i'd have to pay for it myself until I've paid up to $5000? I'm really confused. I want to get temporary health coverage, but I don't see what the point is if I'm going to have to pay out of pocket anyways. Does anyone know how this deductible stuff works? I'd appreciate the help. Thanks