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?

Has anyone had experience stacking life policies - e.g. if I can currently only afford $500k coverage but I know I’ll need much more down the line, does it make sense to buy that policy now and get another when I can afford it? Or should I reallocate to cover what I think I’ll need (would rather not do this - most of my “extra money” goes to paying down high interest CC debt)?

While in between jobs I was thinking to get medicaid so I have health insurance, but the truth is I know nothing about it, so I was hoping for some pointers? Thanks.

anyone have a ballpark of what health insurance (high deductible is fine) in MD for a family of 7 would cost (buying from the marketplace, not through an employer). Assuming no subsidies. I'm just trying to game out different scenarios and I am having an impossible time getting actual numbers

Personal anecdote: Policy Genius didn't quote me the best rate, local agent did. This site showed me all the same policies the agent had access to: https://www.term4sale.com/ Thread in Slack Conversation

is LTD insurance at all an option for middle age entrepreneurs? where I tried agent told me dont even bother if you have the slightest issue (obesity, etc) as they are a lot more concerned of course about LTD claims than death claims so underwriting is a lot worse. I have yet to see one person with LTD insurance (except those small and worthless policies offered by employers sometimes)

I hope it’s OK to ask two questions today. I am looking for a life insurance broker for my husband and myself. My husband does have a new condition. I cannot navigate this issue myself because it’s making me nervous. Can anyone recommend a reliable/trustworthy broker that will not take advantage of us?

Im looking for a life insurance agent who can explain the current policy we have and advise the best way forward. Any recommendations who we can reach out to?

Wondering if anyone has experience with something like this. We bought a house (with a mortgage) a little under 2 months ago. We were told by our agent to push off the insurance inspection as much as we could, as the house was in need of renovations and we would be doing them as soon as we closed. We did "too good" a job pushing it off, and we got a cancellation warning that it would be cancelled Aug 4th because the inspection wasn't scheduled. We then scheduled the inspection to take place on August 4th, which happened. In the meantime, the insurance company cancelled in the insurance because apparently the inspection needs to be uploaded in their system to retract the cancellation (even though the letter only specified that it was cancelled because the inspection had not been scheduled) We spent the week trying to get it reinstated, only to find out at the end of the week that the inspection had failed, and under normal circumstances, they would give a warning period, but since the insurance was already cancelled, they would not reinstate. We don't really want to go the force placed insurance route (for obvious reasons), but it's going to be tricky (/expensive) to get regular (and in this case, regular really means surplus, I think) insurance. There's hopefully only 2 more weeks until the renovations are done, and then it should be extremely straightforward for us to get regular insurance. Is it worth it for us to get the surplus insurance? Will the lender definitely put the force placed insurance on us? As of now, they are still showing that we have coverage (even though we don't). I know there's something about a 45 day notice prior to billing for force placed insurance, but no one has been able to tell me if that's just for billing (and they will definitely retroactively charge me for the gap, just after a 45 day notification period), or they will only start charging me after 45 days, and if I get regular insurance in the 45 day period, they won't charge me at all.... (sorry for the megillah!)

Hi all, I currently have Statefarm auto insurance and it's costing me $380/mo, which I think is exorbitantly expensive. I would like to switch to something less costly. I've heard that Geico is good, but I've also heard that their coverage can be stripped down. I've gone through their quote workflow online (great UI!) and their quote came out to like 190/mo which seems more reasonable. Never shipped around for car insurance though, where's the best place to start?

Anybody has experience with United Refuah HealthShare I've read a lot about them including past conversations on this platform My question is not regarding the risks or benefits but more on how the experience was when actually needing to use it