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Help with health insurance terminology?

In layman's terms, what is: 1) a deductible and 2) an insurance premium? And how do they work in health insurance? An example would be appreciated.

   








Driving licence in chennai?
Susan, a trained nurse, was recently elected to the U.S. Senate. Susan is very concerned about the lack of insurance for many children and?
Disney cruise -travel insurance - is this NEEDED?
Only if you are dumb enough not to have health insurance. Which is rather affordable
What is the yearly insurance rates for a street bike/rice rocket?
Could I trust insurance agents to not steal money from me if I give them my debit card number?
How much is car insurance for a 17 year old male in maryland????????!!!?!?!?! PLEASE ANSWER!!!?
My car got impounded for no license or insurance? How much, and how can i get it back?
Where should I look to insure a child in another state?
Life insurance policy on live in boyfriend?
Wow does anybody else have insurance this cheap?!?!?!?!?
What do you do if you think someone committed insurance fraud?
Owner of car but not main driver on insurance ?
What are the consequences of switching to cheaper car insurance company? As in what would you lose out on?
Average homeowner insurance for SE Cape Coral, Florida ?
What are some Great Health Insurance companies?
Why is insurance so high for me?
Car insurance?
Can i buy insurance/warranty on beats?
Insurance For Car (New Teen Boy Driver)?
How can i get cheap insurance?
Selling insurance question?
How long does a dui on your record affect your car insurance?
UK: Converting standard car to kit car to reduce insurance?
Car insurance is too much.. must bring down $$ any ideas?
How much can I expect to get back from a written off car?
Pay car insurance if I'm going to be out of the country?
How Much is insurance for a mini cab diver?
Auto insurance payment?
Car insurance quote reduction?
How did mandatory car insurance effect prices upon gov requirements to have insurance to drive?
What is an insurance credit score?
Can I add a named driver to my insurance policy for one day?
Can I add a named driver to my insurance policy for one day?
How much for Health Insurance?
How much is typical car insurance for a teenager?
When will I need to buy additional business insurance for my car?
Just bought a car and Just got permit, what is good insurance?
What is your car insurance rate?
Auto insurance in florida?
Does Yahoo Web hosting 'Starter' pack have ads on the pages?
What are the best insurance companies for people who are just getting out on their own?
What kind of car insurance do u have and how much a month do u pay and what kind of car do u drive?
Cost for insurance license?
Being sued by an insurance company?
Employer wants me to repay health insurance premiums?
First car insurance help?
Who has the cheapest Home Owner insurance in Middle TN?
Car insurance is way to high, will riding/insuring a 50cc or 125cc bike reduce my car insurance after 2 years?
Mandated Health Insurance Coverage?
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Is it true that the affordable care act will double the cost of my health insurance to meet the ACA requiremen?
Double premiums and out of pocket cost my health insurance is not from healthcare.gov exchanges


Rental Car Insurance Confusion?
If I get pulled over by a LEO for speeding while driving a rental car and I'm asked for license and proof of insurance, what should I have? Is MY proof of insurance on my personal vehicle acceptable? Or must I have purchased the rental car company's? I recognize that car rental companies offer insurance on the vehicle for an extra fee, but I thought that is only for damages in case of an accident. Or do I need to purchase theirs as proof of insurance?"


Insurance costs for new driver in canada?
I just got my g2 and im wondering how much will insurance be for a new male driver on their own vehicle, with no collision coverage? I know it varies!!! So just give me like a general answer... BY THE WAY I UNDERSTAND THERES WEBSITES THAT WILL GIVE YOU A QUOTE! I TRIED THESE AND THEY DONT WORK! SO DONT BOTHER TELLING ME TO LOOK AT A WEBSITE LIKE THAT!! theres still going to be a wise guy who does thou..."


Which insurance would be best for my mom?
Where do I find an agent and how much do they typically cost?


Have you ever heard of a Car Insurance doing this?
Have you ever heard of this before: I know a person who has car insurance with Allstate and they claim the following reason for jacking up their prices every 6 months when you pay the bill for the next 6 months. The Reasons from them are: 1-Because since you have allstate and when anyone else that has allstate also in your area has an accident where them and someone else is involved this will make your payment go up. 2-All insurance companies do this also where if anyone not involved in an accident say at home and someone else with the same insurance company as you have, if they have an accident even if your at home when this happens your payments will go up. My Father has had direct for i don't know how long but a long time and every time someone has a wreck that has direct and he is not involved in it he still pays the same amount he did last time before the other direct insurance people have a wreck. Please also provide the name of your insurance company as I want to make a chart of how many people answered and what insurance company they currently have or had. Thank you I'd greatly appreciate the insurance info that's all I would like for the chart not your name."


How do I find out which insurance company I last held car insurance with?
My car insurance expired a year ago. I didn't renew it as I had a company car. I now have my own car again and need proof of my no claims. However, I can't remember which company I was insured with and can't find the old insurance certificate!"


What other fees/payments should you think of when budgeting for a home?
I want to buy my own house but first I want to see if we can afford it. I can think of two things other than utilities... garbage pick up and property tax. Is there any other payments or fees I should consider?


Paying renter insurance?
so basically i rented a place for 6 months.... and i think i might have gotten one year renter insurance for it. the company charged me 65 when i first applied and i thought that was the total cost. now I'm getting emails telling me that i need to pay another 65? or they would cancel my insurance. i don't even live there anymore so i'd be glad for them to cancel it. so should i just ignore it or are we allowed to cancel renter insurances?


What is the best type of life insurance for a business ..man who is travelling to the Far East for three months?
What is the best type of life insurance for a business man who is travelling to the Far East for three months?


No claims discount on car insurance?
I've been driving in the UK for 13 years and never had a crash or made a claim on my car insurance. However, my wife has had three accidents, all of which have resulted in claims against our joint policy. I have now separated from her (not as a result of the accidents!) and want to buy a car of my own. When I look for car insurance quotes, can I state that I've had 13 years of no claims or do I have to take into account her 3 claims because they were made against a joint policy?"


What is the average cost for a phacoemulsification without insurance?
What is the average cost for a phacoemulsification without health insurance?


Is a 12% interest rate on an car loan too high??
i was approved for a loan of for 10,000 at a rate of 12%. i have really good credit but also have another vehicle being paid..is this rate too high??"


HEALTH INSURANCE REFORM?
Okay, why is everybody getting so upset over it, i havnt seen one thing that says that seniors are gonna just die off, i mean Obama is one of the only presidents i know that promised something before being president this big, and actually attempted to get it done, i mean, the big issue was health care this heath care that, now that we have a chance to get it, people are trying to stop it for some reason. take for example death panels, those have been around with health insurance for people they refuse to cover for decades, now that its gonna be in the reform, people use it as an excuse not to have reform. i mean, really, regardless of more taxes, arent more people gonna live then previously? and if u dont agree with me, then name 3 things worse about the insurance package being suggested than wat it is now thanks for your input"


What's car insurance im a beginner on cars?
I'm only 17 in the future I want to buy a car a mini countryman I see a lot of car insurance ads on tv do they pay you or do you pay them


Advise please im looking for a cheapest and reliable car insurance i?
For my honda civic 2012 LX, thank you!"


Help with health insurance terminology?
In layman's terms, what is: 1) a deductible and 2) an insurance premium? And how do they work in health insurance? An example would be appreciated.


How to cancel car insurance after paying ?
Hi everyone, I've just bought a car insurance from Access Insurance Company this morning for a period of 6 months. The effective day will be from 11/20/2012. But suddenly there's some reason that I change my mind to use All State Insurance. So, is it possible for me to cancel Access and get a full refund ? It's been 4 days until the effective day."


"Health insurance company says I don't owe anything to provider, but provider is still trying to collect?"
The in-network provider I went to failed to file a pre-authorization for any of the dates of service and that's the health insurance company's justification for denying all the claims. The provider though is still sending me bills and threatening collections. Here's an excerpt from the letter the health insurance company sent me: According to the provider's in-network contractual agreement with Empire you may not be balance billed for the services they failed to preauthorize. The claims have denied with $0.00 liability to you. The only way that you can be held liable for the charges is if a waiver form was signed. If there was a valid waiver signed the provider would have to submit proof to us. Once a copy of the waiver is on file a review would be completed and a decision would be made if the waiver was valid. A new Explanation of Benefits would be mailed to you and at that time you would be able to file a grievance because they can hold you financially responsible."" I don't recall signing a waiver"


What is the average cost of car insurance for a 27-year ..old male?
What is the average cost of car insurance for a 27-year old male?


"Please clear up this confusion for me: Unemployment at 5.4%, Stock markets at record levels, gas approaching $2 a gallon, housing starts up?"
...these are bad for the economy, why?"


I applied for Car Insurance and...?
They asked me if there any other drivers in the house. I told them my parents and my older sister have insurance.. I am 24 and they said thanks for telling us? The question is does that mean they can once in a while borrow my car and they are covered?


How much insurance do you guys pay for 2005+ mustang gt?
im 21 years old and thinking about buying a 2007 mustang since I have saved up enough money for one. I have 3 speeding tickets in my record driving history. I can only afford upto $4000-$4500 a year in insurance. Can I not afford this car? Gas and winter driving are not problems for me.


"If my friend borrows my car and isn't on the insurance, would he be cited for no insurance, though the car is mine?"
Example I'm sick, or too lazy, tired etc. to go get something from the store and my buddy said he'd go get it and he takes my car. Obviously if he speeds regardless of who's car he will get a citation or warning, but when they ask for the insurance and it shows it's mine and in my name, will he be cited? I know he wouldn't be covered in a wreck but can they nail him for not being on my insurance? I am in Texas if that matters. Thanks in advance."


Car insurance price for the second year?
My Car insurance price for the first year was 2,250 which I think is absolutely redic considering my parents pay like 300 for the whole year. I've got one more monthly payment to make then my years claim will be finished in March. I'm with insurethebox and I'm a good careful driver so they'll have that on record. Anyone with around about the same price as me for their first year what did you get quoted for your second year? I just need ideas. I'm hoping for around 800-1200. No answers like We'd have no idea"" ""Could be anything"" I just need some idea what i will be paying. I'm 20 years old"


What is the average car insurance cost in Arizona?
I'm moving there very soon and before I get quotes from a million different companies I would like to hear from every day people. Any one who can help has my thanks.


How do you find the cheapest car insurance?
I'm almost 20 been driving since I was 16. No accidents, no tickets. I've been on my grandparents insurance but now it's time I get my own. How do I go about finding the cheapest car insurance?"


Average car insurance prices for 21 year old male?
just started to learn how to drive, i am a 21 year old male living in east london. i wont be getting a good car, im guessing a 2 door over 7 or 8 years old. can i get some sort of idea as to how much i will be paying for insurance? anyone else my age just paid for insurance?"


Better insurance rates.?
I know there are couple factors like age, gender, and past record that fit in to determining your insurance rate, but i wanna know which gets a better rate? A new sport bike or used old sport bike?"


Cheapest car to buy and insure for teen?
so iv just passed my driving test im 17 me and my mum are going half on a car and insurance what is the cheapest car to buy and insure for a girl


Help plz car insurance in MD?
well i am 20 years old. i have been driving a car under my mother's insurance name for a while, the insurance told her that if i got an acident while driving that car the insurance will never cover any damage and they consider that as a crime so Is that a crime to drive a car which ur name is not in the insurance list? also ifu know which insurance company is the best for me to get my own insurance"


Am I paying too much for my home insurance?
I live in a suburb in Norcross, GA, a suburb area. My mom bought the house about 8 years ago, it is now maybe 11 years old house. We've been using Liberty Mutual since 2005, premium was $1450. I just found out that premium is now $3800. *knock on wood* my house condition is fine, not close to ocean or river. I think my mom is paying way too much, but I am not sure what should I do now. Should I call Liberty Mutual to lower it or should I look for another company? If I call, how should I ask to lower the rate? Thank you!"


Help with health insurance terminology?
In layman's terms, what is: 1) a deductible and 2) an insurance premium? And how do they work in health insurance? An example would be appreciated.


Best used cars - What type of car is reliable and affordable?
hi well im looking to buy a used car and im wondering what types of cars are best to buy? i want a car, not a truck, van, or anything else. i also plan to spend only up to $3000. it also needs to be good on gas"


Will getting one speeding ticket increase my insurance bill? Will it show up at all on the bill?
If I decide to take the traffic school option will it still raise my insurance? Will it raise by a lot? Over $100?


If I drive a car that has insurance but not in your name in Florida?
If there is a car accident can I get in trouble? Meaning can I get a ticket if someone rear ends me? A friend of mine was in an accident and they were rearended the car owner had insurance would that cover said friend?


How much does it cost to replace Jaguar XK8 2000 rear quarter panel and paint?
Someone has driven into it - the rounded 'hip' panel on the XK8.


"Best health insurance, if your unemployed, and already have health problems?"
What is the best health insurance for yourself if you do not have a job but can buy health insurance (husband works) and already have pre exsisting health conditions (hypothyroid, PCOS) and you do not want to pay much out of pocket when you goto the doctor or for RX's? I do not know ANYTHING about insurance I have never had it!"


"Got in a car wreck w/ no insurance, and was at fault.?"
I don't work, and don't plan on working. I don't own a house or car that's in my name, and don't plan to. Everything will always be in my boyfriends name. How will the insurance company ever get money from me. Even if they sue me."


"Uninsured driver took daughter's car (registered to me, on my insurance) and crashed into another person who is now suing ME. How to handle?"
I bought a car IN MY NAME for my daughter. Added her on MY INSURANCE. Saturday a guy took her car WITHOUT HER PERMISSION and crashed into a car. He has DL but no Ins. My daughter was not in car but witnessed accident. Four way stop sign, says both cars stopped and proceeded at same time but the guy driving her car admitted fault(?). Police were NOT calledgot no police report. Damage to her car . $1,000. Other car had minor scratches, driver said he wouldn't call insurance but he did. Today he filed a claim against ME. My ins. co. called me, 1st question they asked Did you give this guy permission to drive your car?"" I was in SHOCK. I knew NoTHING about it. I said nothing"


Can/should I have non-driver car insurance if I am under 25?
Yes, I know this is question is better suited for my insurance company."


What does it mean when a person put you under their car insurance?
my brother in law is said he would put me under his car insurance but with my license and i just dont know what that means ? does it mean i will be having the car under my name with a new insurance policy and have to pay even more since i just got my license? or does it mean the car would be just under my name but under his insurance policy ?


Who pays for damages if my friend drove my car without insurance?
Who pays for damages if my friend drove my car without insurance?


Car Insurance on a cheap car question?
Okay so i am currently a secondary driver on two of our car at my house. I am 17 years old. I want to buy a super cheap car on kijiji for like $500 just to mess around in as I wouldn't care if anything were to happen to it. I have a few questions. When i go to pick up the car, can i drive it without plates? Do i need insurance to drive it home? or is there a grace period? If i were to buy the car, fix it up, and then sell it, are there any regulations on this? what documents do i need? I have never bought a used car from a private seller or bought a car in general so any help is greatly appreciated!"


Rough estimate for Car Insurance Cost For Second Year?
Hi peeps. I Have a question about car insurance. I am basically looking for qualified guesses from people who have previous experience with this sort of thing. I am a first year driver. Im 21 and i passed my test in early August and was driving straight away because i had bought my car the month before hand. The car i own is a 1.4 Ford Fiesta Zetec 2002. I paid around 1250 for the year for insurance and i did it through Quinn Direct. My question is, does anybody know a rough figure of what it might be next year baring in mind i have never claimed? I have tried running new quotes on comparison websites but they are based on new customers and all come out at around 1500 to 4000 If anyone has used this company or even another company and situation was similar could you please tell me the rough figure of what it was reduced to/from just so i can maybe have an idea of what to expect Any help is greatly appreciated. Cheers :)"


Do you need insurance to drive a car?
i live in alberta and i am wondering do you have to get insurance in order to drive a car will you be in trouble if you drive without insurance?????


Do you need special insurance to start a designated drivers company?
My boyfriend and I are interested in starting a designated drivers company in Ontario, Canada. I've asked a few people and am getting different answers... we are both 19 and both have G licences, and both have our own cars- we just need to learn how to drive manual in case the customers car is standard. So some people have told me you have to be 25 or older to drive someone elses car if you are not insured under their insurance. But some people have told me as long as u have your own insurance its fine which we do. So I just want to know if anyone has a 100% answer or should I call an insurance company ?"


"Expensive Camcorder, Insurance or GPS tracker?"
Hello im getting an expensive camcorder ($2000) and i cannot afford to lose it, in your opinions, should i get covered with insurance or should i put a gps tracker inside its case?(about $7-8 monthly service since its real time tracking) Thanks for any input!"


Help with health insurance terminology?
In layman's terms, what is: 1) a deductible and 2) an insurance premium? And how do they work in health insurance? An example would be appreciated.