Does anyone know of a health insurance agent/consultant for NY and NJ?

Anyone have thoughts on Northwestern Mutual's Term 80 life insurance? Insurance brokers like to suggest it.

I am eligible for an HSA through a non employer sponsored ins plan. Is there a way to get the tax benefits of the HSA if I take the standard deduction?

When shopping for term life insurance, is it important to consider the living benefit rider? I noticed the details of this benefit varies greatly between carriers. Some cap it at 500k, some at 75% of the death benefit, some charge extra for it. Also, they all have their own name for it: advance/accelerated death benefit, benefit access, living need benefits

Car insurance - what is recommended coverage for property damage? I currently have 50k of coverage, wondering if I should up it to 100k

Does anyone use United Refuah Healthshare (In the Lakewood area if that matters)? Any non obvious catches/exceptions I should know about?

Is there ever reason NOT to get Dependent Care FSA?

Is it standard to need more than 3mm of life insurance coverage in the frum community?

Any general thoughts on taking the risk of a higher deductible with a lower premium? More details in the 🧵

I'm new to HSAs. 2 questions so far: 1. if I'm on one HSA eligible plan and the rest of my family is on another HSA eligible plan does that mean I create 1 hsa account and can contribute up the family limit?

2. What do you do for record keeping for your hsa eligible expense?

Term life insurance - is a waiver of premium rider essential, good to have, waste of money or circumstantially dependent?

If someone wants to switch car insurances to get better rates, is it automatically better to switch homeowners insurance to get the bundled rate or are there circumstances where it would make sense to sacrifice the bundle discount?

I got kicked off the regular Jersey Care plan last month. I applied to getcoverednj and got a letter saying my child is eligible for plan D and the effective date is April 1. When I called they told me that that is how it works and the insurance won't start till April. Any ideas for what I can do in the meantime? I want to be able to continue using my child's regular physician... (Lakewood, precious health)

My NY essential plan started in April and I don't think I'll be eligible for another year. Do I need to choose a new plan now or can I wait until March?

when switching homeowners insurance, do you need to notify your lender first?

Any good insurance brokers for home/auto?

Any recommendations for where to open an HSA?

HSA or traditional plan if I have a kid with asthma who might need 2-3 trips to the ER per year? this is cleveland so everything is connected to a huge hospital system, not too much price shopping available as far as healthcare providers (financial aid is generally not offered if you have any insurance)

2025 Benefits Guide Final 11182024..pdf

A friend of mine is joining a small company where they don't offer health insurance. Is United Refua an option?

The person lives in Baltimore

If I have a term life insurance policy in America, does anyone know if I can take that with me to Israel when I move there? Or will I need to cancel the policy and buy new life insurance there?

I was switched to a health plan from my employer with an FSA. I don't know anything about how FSAs work, what do I need to know to get the most out of it?

I live in Baltimore and just got a new job that doesn't come with health insurance, so am trying to "shop around". I am being offered BlueChoice HMO Open Access for $1800/month (which already includes govt subsidies) or $2800 PPO plan. The PPO plan sounds insanely expensive. The HMO plan is more affordable but doesn't cover almost any out of network expenses. I keep hearing about United Refua, which would only be like $500/month. To me the United Refua is a no-brainer, but I don't know anything about it. 😄

Any one has experience purchasing a life policy with an LTC rider?

Any tips or tricks for appealing a health insurance claim?

I just received a medical bill from an ER visit I had last summer, totaling over $6,000. The visit was only a few hours long—I had an ultrasound and then waited for over four hours for a doctor to review the results. After waiting for so long, I decided to leave and took the printouts of my results to my own doctor the next day because I was feeling fine by that point. However, the bill includes a substantial charge for a physician’s consultation, which I never received, as well as a charge for an IV injection, even though I was never hooked up to an IV. I’ve disputed these charges twice, but both times the hospital denied the claims and insists that I did receive these services. Has anyone dealt with something like this or have advice on how to fight it? Additionally, when I arrived at the hospital, I was asked to sign a document stating that if I didn’t have insurance, the maximum I’d pay would be $2,500. So how is it that, since I do have insurance, I’m being charged $6,000? I never would have provided my insurance card had I known this. Is it possible to change my status to a self-pay patient at this point?

Anyone have any advice about the following fender bender scenario? Details in the thread.

Does anyone have experience using Dental insurance to help cover Adult braces?