WKRG.com Community Forum

Health Insurance help

2008-06-22T11:55:06-06:00

I want to move out of state, and I am actually thinking about quitting my job and starting over. How long will my insurance cover me before I must pay out of my pocket, and does it carry over like that? Does it depend on the company and the type of insurance I have? I have never done this before, so I am unsure.

It is hard for companies to take me seriously out of state, when I am looking for jobs......They are pretty much hiring people that are already in the area so I don't really know what to do. The area I want to live does not have facilities even close to where I want to move too for transfer. Or should I just look for the closest facility? Which would mean more than one move!!

I am nearing 50, single/no children with avg health so I am taking a huge risk relocating w/o anything, can anyone help? I have BC/BS right now.

Technical Question About UL’s

2008-06-04T04:32:10-06:00

Hello,

Regarding a UL (yes, I have read my prospectus and done Google searches).

What is the difference between COI and mortality expense. I know COI is assessed on the amount at risk, and Mortality expense on the CV, but I still do not know the difference. They both sound like the same thing.

Thanks.

Do you know of a good health insurance plan?

2008-06-04T01:42:51-06:00

I need to find a plan that is affordable outside a group plan or is there a group plan available to me? I do not want the discount card type of plan I want an actual insurance policy accepted by many doctors and hospitals. 80/20 coverage is great with annual deductible choices.

I Need Health Insurance for My Baby

2008-06-01T02:23:03-06:00

I live in virginia and I was wondering if anyone knew any type of health insurance program or anything that I could get for my baby. Right now i've been paying for all of his bills out of my own pocket and I just can't do it anymore. I applied for medicaid, but they denied me. Please help.

Health Insurance - Looking For ……something Reasonable?

2008-05-23T04:35:29-06:00

Currently We Are Paying 1100.00 per Mos for Medical Insurance for a Family of 5 (prevailing Wage Worker). Wondering If Anyone Out There Has Any Idea for a More Reasonable Rate.....it's A Ppo I Believe Through Bcbs......any Help Would Be Great.

Health Insurance help

2008-05-21T02:00:31-06:00

Who was that Guy?

2008-05-14T17:54:21-06:00

A couple of nights ago I was watching the news(on channel 5 of course) and there was a segment on what I believe was the Bill proposed by Ben Brooks. On this segment there was a man, I suppose he was a Legislator and he made a comment that went something like" I live 400 miles from the coast and I don't have to like your bill". Maybe it's just me and I could be wrong(that has occured in the past),but I thought all of our elected officials are there to serve the needs of the people of Alabama. So he don't live near the coast! Does he vacation here along our beautiful beaches? Stay in the condo's along said beaches? Dine at the resturants here? If they can't get insurance to help get them back on their feet after a disaster, then sir, where will you go?
Help those close to home first yes, but you are after all a citizen of this state. Where we look to those in office to make sure we are not taken advantage of. It is after all what you were voted into office to do.

Thank you Ben Brooks for making a stand for Alabamians

You Want Insurance Horror Stories???

2008-04-12T19:59:42-06:00

My family has been a long time customer of ALFA insurance. We have our home and cars covered with Alfa. Now the house we live in is in my grandmothers name as well as my husbands name but the insurance was only in my grandmothers name. When we had the house put in both names we checked with Alfa and they said that everything would be fine and to leave it the way it is. So for several years things go along fine. We have an insurance update, choose not to take the 2% hurricane deductible but to pay a little more and have a flat $250 deductible. Well we thought this was going to come in handy when Ivan hit till we went to make our small claim on some minor roof damage and our evacuation expenses. Alfa refused to pay for evacuation even though we were in mandatory evacuation, would not pay to have a tree removed even though it was on an outbuilding that was covered by insurance and only paid $4.75 a sq. ft. for the roof. Anybody who had to have a roof replaced after Ivan knows that the going price was 8+ a sq. ft.
Then the prices for insurance starts to jump and Alfa starts to talk about canceling insurance policies south of 98. We received a letter of cancellation from Alfa and called to find out why. The first response I got shocked me. I was told that my grandmother was dead! Well since I was sitting there looking at her I have to say that I was confused. So I asked the agent to repeat what she had just told me. Once she said again that my grandmother was dead, I told her that she needed to send help and fast. She asked me why and I told her that if my grandmother is dead that I have a dead woman sitting on my couch looking at me and I am scared. Well she didn't take that to well so she came up with the excuse that my husbands name was not on the Insurance policy. So? Put him on it. Well that will call for a credit check. So? Do it. Took a while but I won that round.
Then a few months later we get a notice that they are no longer going to honer the $250 deductible and that there is now a mandatory 5% hurricane deductible. There is also no longer any coverage for wind damage. WHAT?!?! Why have insurance during a hurricane if there isn't wind coverage?
Well this is all fine and good, because this dropped our Insurance payments from almost 8 grand a year to 2.5 grand a year, but if another hurricane hits and we have any damage to your home we will not be able to afford to fix the damage.
This is just the crap that I am going through with Alfa with homeowners, I wont even go into what I have been going through with them since I was in an accident back in October, but I can say it has been pure hell.