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Do health insurance companies think the average person is a moron?

I am having a tooth implant. My insurance co. won't pay a nickel for it. They say it is not a necessary procedure since there are alternatives even though I had to sign a statement with my dentist that included the clause 'I understand this is a necessary procedure in my case because alternatives could jeopardize the health of my entire tooth structure.' Then I noticed my dental insurance pays for preventative oral cancer screening. I asked their rep whether that was a necessary procedure since obviously it's not, since it's preventative. The rep gave me some b.s. answer. Then I said, why don't you just admit you won't pay for the implant because it's expensive?" The rep said

   








What are the pros and cons or comparison for workers ..comp vs Non-subscription insurance?
Are pools covered under home insurance?..?
Why don't Republicans want affordable health care for the poor?
What happens when you let a unlicensed driver drive your car?
Insurance rates for Ford F-350 2005
Health insurance for individual?
I am positive I have an ear infection. I don't have health insurance. Where should I go?
Insurance rates for Aston Martin DB9 2012
How much money will cost to earn prescription for the ambien(zolpidem) if I don't have insurance?
Is this too much to be paying for a half million dollar term life insurance policy?
Does my auto insurance cover me in a rent car?
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What kind of car insurance can i obtain?
I am 18 and i got disqualified for 3 months and i was wondering if anyone knows cheap car insurance for me?
How to pay auto tag renewal?
Does someone have Traveler's Auto Insurance?
How much extra will insurance cost for a 19 year old that wants to purchase a dodge challenger?
Insurance rates for Mini Cooper 1998
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Insurance rates for Kia Optima 2018
What old car is cheap to insure for 19 year old?
Do you need insurance for motorcycle if under 21?
Iam 55 I need a small policy for life insurance around 10,000?
How much is the cost of delivering a baby in california without insurance?
Cheap Health Insurance In New York State for single adult?
How to get health insurance for children.?
Do I have to pay income taxes on a life insurance payout?
Insurance rates for Ford Mustang 1986
What is the difference between a CG 2012 and GC 2026 insurance endorsement?
I can't pay car insurance, but I can't stop driving?
Insurance rates for Dodge Durango 1998
Insurance rates for Dodge Durango 1998
Lower car insurance by faking who is primary driver w/ parents?
For those 16-18 with a car in your name?
Difference between whole life and term life insurance? What's better?
Insurance rates for Subaru Legacy 1984
How much will insurance cost me on a motorcycle around 4-5 k? (Motorcycle year 2005+)?
How much does insurance usually pay off if your car is deemed totaled?
How to get the best damage offer from insurance company ?
Insurance rates for Volkswagen Golf 1987
Insurance rates for GMC Yukon XL 2003
Im buying my first car soon!?
Insurance rates for Jeep Compass 2014
I don't have car insurance, and someone hit me, do I have the right to request that their insurance pay damage
Insurance rates for Mercedez Benz G550 2005
Can you suspend car insurance without any penalties?
Insurance company is giving me a hard time, case may go to arbitration?
Insurance rates for GMC Terrain 2013
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Can i make a claim on my car insurance after hitting my garage door?
i am a learner driver and am fully covered by my insurance, i didnt put my car into reverse properly and instead was in first gear, so instead of going backwards off my drive i shot forwards damaging my garage door, i rent from a private landlord so do not own the door myself!"


Buying a used Honda Civic 1996? First Car? Insurance?
Hi guys. I'm a College Freshman, and I got my California Driver's License last winter break. I am thinking about buying a used Honda Civic 1996. I know the only way I can find out how much insurance would cost me every month would be by me getting a quote. But on a rough estimate, how much would I be paying at age 19 for a Honda Civic 1996, on my own plan. Not on a family plan or anything. Also, plus gas and everything, how much roughly would I be paying every month? Best detailed answer gets 10 points. Thanks!!!"


Maternity Health Insurance?
I am in the state of MI..I am looking for some really good health insurance for pregnant women..I already spoke to blue cross blue shield and all there plans only cover the delivery..I need something affordable that covers everything from prenatal-going home from hospital..It doesnt have to cover it 100% but at least the majority. Thank you


My employer only pays for some of my health insurance. Am I allowed to deduct the remaining that I pay on my taxes?
My employer only pays for some of my health insurance. Am I allowed to deduct the remaining that I pay on my taxes?


Life insurance benificary?
We do not have to insurance policy.. he was just a child when his dad took it out. It was in another state from where we are now. His dad was a wealthy and smart man, he paid all of the life insurance policies he had in full. My husband was adopted by his father and his first wife and his father took custody of him in their divorce. We think that his dad did it because he knew that if something happened to him she wouldn't take care of him. His father was trying to change his will before he passed away but had suddenly gotten to sick to make lawyers appointments. When I say this woman is wicked I truely mean it. I just want to make sure before we persue this.. that she will not be the one getting it no matter if it 100.00 or 100,000,000.00"


Is everyone that gets insurance through work getting their notifications that insurance is going up?
My employer said it's not because of Obamacare. I bet they all say that.


How to deal with car accident with no insurance?
FYI: this falls under New Mexico laws I drove a small 2 door honda civic and was on my way to school. There was alot of traffic being it was around lunch time and i was approaching an intersection when this dodge durango came out of nowhere and tried to cross in front of me. (I had the green light) I tried to brake and swerve but my driver side front end hit her passenger front end. I didnt have insurance at the time of the accident and she came and said it was completely her fault and that she went because the other drivers were waving her to go ahead and go. She was 19 with no DL so ended up getting 2 tickets. I, on the other hand,didnt get any tickets and took an ambulance to the E.R. being i was having bad chest pain so my husband emptied the car because it was pretty much totalled. So, since ive never been in an accident before, what steps can i take to make sure she pays for this? I have a disabled husband, a 6 year old child, and now without a car with injuries i cant afford to have right now."


How do I find out a neighbor's home insurance provider to file an accidental injury claim when they withhold?
Their child injured my child, and I have medical bills totaling around $1,100. I know they have coverage due to it being a new home and not paid off."


Pregnant And Can't Get On State Health Insurance!! What Should I Do!?
Yu know what!! People get pregnant even tho' they take precautions!! So don't blame me neither!! I had been trying and trying to get on insurance even before I got pregnant!! So I was!! Plus yeah, I'm sure...I was forced to because of an emergency duh!! I had to have my gallbladder removed && they couldn't find what was the problem at first && were stacking up them bills for me!!! So think about that! && I have the bills stacking up from my pregnancy, so I'm sure that's a choice as well right!?!"


"Agree or Disagree? Canadian Health Insurance doesn't care about Canadian Citizens. For example, my friends mother in Toronto needs a double?"
@ FLSwampBoy Just because I can't give u my friends name, adress & phone # doesn't mean I'm not telling the truth"


My insurance say I have to pay for the other parties repair costs and hire costs?
Do I have to pay for their car hire costs? I thought their insurance paid for it as you have that option when purchasing insurance whether you want courtesy car or not?? please help


How much is Car Insurance in South Florida?
I have no idea why my education or credit score should have anything to do with my car ins rate. I know people with DUI s who pay the same as me!! I guess its effin better to have a bad driving record and good credit? I have good credit by the way. And I love Florida. Been there and stayed up and down the coast too many times to count. Try living in expensive NJ. I was hoping for someone who actually lives in Florida who could give me a real answer not tell me a website to check


What options exist for pregnant women who make too much for Medicaid but cannot afford health insurance?
To David- how can you be so rude? I am already a mother and a damned good one at that. You have no information on our financial situation. There are people in this world, myself included, that have bill issues that are completely out of their control. Does that make us bad parents? NO!!!! There is nothing in this world that gives me greater joy than being a mother. When God created this world and gave us the ability to be parents- I guarentee he wasn't concerned with who was footing the bill! That being said, we are taxpayers too...and do you know what? We are paying for convicted murders and rapist to have three meals a day and live better off than a lot of good, upstanding citizens. I hope I have given you a new perspective with this response. Money is not what makes someone a good parent and how dare you for insinuating that I am irresponsible. If you can't say something nice, don't say anything at all!"


Insurance quotes.... are they correct?
Hi, I have used a couple of insurance websites such as compare the market and confused for a cars insurance. I do not understand why but when i select full comprehensive the insurance is less than third party. Why is this? I thought comp was better than 3rd party.... is this not true? Why is full comp less than 3rd party? Thanks"


"Best first car, with low insurance?"
i want a car, with low insurance, cheap to run etc


Do health insurance companies think the average person is a moron?
I am having a tooth implant. My insurance co. won't pay a nickel for it. They say it is not a necessary procedure since there are alternatives even though I had to sign a statement with my dentist that included the clause 'I understand this is a necessary procedure in my case because alternatives could jeopardize the health of my entire tooth structure.' Then I noticed my dental insurance pays for preventative oral cancer screening. I asked their rep whether that was a necessary procedure since obviously it's not, since it's preventative. The rep gave me some b.s. answer. Then I said, why don't you just admit you won't pay for the implant because it's expensive?" The rep said


Sports car insurance for a 17 year old with a provisional license?
An xj6 4.0??? I was under the impression that the only xj6's around at the time of the 4.0 engine were 3.2's. Even now they are only 3.0. Had a quote back for a 1.8 vw scirocco scala at 2800, seemed pretty good to me, even though it is a coupe. Does anyone know of any specialist underwriters though? Not just the usual comparison websites and companies??"


I had tesco's home insurance and cancelled my direct debit?
They are now sending me a bill for two months payments, (after I cancelled my direct debit). I thought when I cancelled my direct debit that was it. Do I have to pay these two months of payments? What will they do if I do not pay?"


Can I get car insurance under my boyfriend's name even though the car is registered to me?
My car is registered under my name BUT i want put my boyfriend as the primary driver on the car insurance. He signed over the title to me because of some private reasons but even though legally its mine I still see it as his. Anyhow, can I put car insurance under his name even though the car is registered under my name?"


Car Insurance Company Refuses to Insure my Brother!?
So, basically what I'm hearing is he is screwed and will have to pay higher insurance for the rest of his life because SOMEONE ELSE hit him and it wasn't even his fault? I would understand if it was his fault and the insurance company decided to cut him and label him high risk but it wasn't, so they can tarnish his good driving record based on the fact that they decided to give the other guy money behind our backs? Seems legit guys....seems REALLY legit."


Buying a new car/ insurance and stuff?
my girlfriend is planning on buying a new car. She currently has insurance on a different car, how does one get insurance on the new car to drive off the lot from Vegas to our home town about 100 miles away. We know its illegal for her to drive anywhere in a car without insurance. She may buy from a dealership or private party. If you could provide answers to both scenarios (dealer or owner) that would be very helpful. thank you for your time"


How much money do health insurance companies make?
They collect billions in premiums. I hear that they only make a few percent. Doesn't that add up to billions of dollars? And isn't excessive executive pay listed as an expense? So that if you include huge salaries and profits TOGETHER aren't these profits out of control. Why doesn't the govt create a system like Medicare to provide an option for all Americans?


How can the American health care system be more affordable and accessible?
I want solutions, not a mere description of the problem nor who is to blame."


Private health insurance plan needed?
I was layed off and need to enroll into a health insurance plan. My Cobra is going to be 700 just for me alone. I really need to have insurance but that's sooo expensive any hints or help is very much appreciated.


Do I need Liability insurance?
I live in So california, and just brought lots In Texas,Arkansas and Utah.The lots are vacant land. Im being told that laibility insurance might be wise. is there someone out there who knows for sure."


How can I tell what cars are still registered under my name?
I want to verify that a car I owned a long time ago is not under my name anymore. Who would I contact?


Question about health insurance. Medicaid and bcbs of il.?
After finding out I was pregnant in april 2014, I applied for Medicaid since husbands open enrollment for bcbs had not begun. He put me on his insurance but I was unaware because we were separated. I continued to use MedicaidMedicaid found out about secondary insurance and has not paid for anything since August 2014. I was unaware of this until yesterday when I got a bill from my obgyn for over 4k. (I had my baby in November) I call bcbs and they say benefits will decrease by 20% less since I didn't get preauthorization from them. I haven't received a hospital/anesthesia bill. Like I said, I didn't know any of this was going on until yesterday. When I filled a prescription for bc pills last month and this month, Medicaid covered them. Does that mean I'm still on Medicaid? Can bcbs deny all claims since August after all? Did Medicaid cover my hospital stay?"


Can my mom get insurance?
we live in Lo s Angeles, California, and shes getting really sick possibly with cancer.i figure her medical bills will be around 98000 dollars by the end of the year without insurance. In California, can already very sick people get insurance?P.S.shes over 45"


Does anybody know where to get cheap auto insurance for a 18year old?
Does anybody know where to get cheap auto insurance for a 18year old?


I'M TRYING TO FIND THE ADDRESS FOR HAMBRO LIFE INSURANCE PLC?
I'M TRYING TO FIND THE ADDRESS FOR HAMBRO LIFE INSURANCE PLC?


Can I go under my grandmas car insurance?
So I am about to get my license and my parents dont have car insurance and I dont want to buy my own because its more expensive. So I wanted to know if I can get under my grandmas? But the car is in my moms name.


Do health insurance companies think the average person is a moron?
I am having a tooth implant. My insurance co. won't pay a nickel for it. They say it is not a necessary procedure since there are alternatives even though I had to sign a statement with my dentist that included the clause 'I understand this is a necessary procedure in my case because alternatives could jeopardize the health of my entire tooth structure.' Then I noticed my dental insurance pays for preventative oral cancer screening. I asked their rep whether that was a necessary procedure since obviously it's not, since it's preventative. The rep gave me some b.s. answer. Then I said, why don't you just admit you won't pay for the implant because it's expensive?" The rep said


Is there a way to decrease my Car insurance coverage?
i recently just bought a 2004 jaguar x-type for 12,800 with warranty included.payments is 250 a month.but car insurance is 480 a month! is there something is there a way of avoiding paying that much pay that much in car insurance..im 21 and i would like to no if i really need my car to be fully covered or can i just put the car in under there coverage. Plus i don't have the best driving record."


What sort of insurance quote should I expect for a 1340cc Harley Davidson - Please read info?
I want to buy a 1340cc Harley Davidson dyna FXR motorcycle. I'm a 35 year old man who has only had my motorbike license for one year. This would be my first bike to insure so I don't have any no-claims bonus. I know you can only really guess but from your experience what would you expect my insurance quote would be like. What would the fully comp quote be like and how about just 3rd party on its own? Also, any good insurance company recommendations would be appreciated too. ANSWERS FROM THE UK ONLY PLEASE. Thanks"


Government-issued health insurance?
What, then, about the family who works hard and then loses their job (we'll say due to poor economy lay offs) and manages to barely pay their mortgage, electric, what have you, but can still keep up---that is, until someone in their family suddenly gets sick. Without health insurance, which the family couldn't afford in their situation, they aren't able to get the care they need...they'll weigh the costs, inevitably go to some county hospital, where tests will only be done as a LAST resort. In the mean time, said person gets sicker, the family (still having to pay this medical bill) gets poorer...etc.. What's your answer for a situation like that, if not government-issued health insurance?"


How to find Affordable Care Insurance for Multiple Sclerosis in Indiana?
The insurance shown is twice as high as what we had last year. I thought it was supposed to be cheaper.


Best car insurance in the uk?
Best car insurance in the uk?


Which car or truck should I get for my 16th birthday?
I'll be turning 16 soon & I need to give my parents some ideas for my first car or truck. I don't want an ugly one, you know, just normal. Not brand new. Like around 2007 maybe. Not a 90's. I want alot of room for friends. GOOD gas mileage & not too expensive on insurance. I'll most likely be buying it used. Help please. Indecisive teenage girl here. (:"


Who would get the unclaimed life insurance?
My father was married before he married my mother he had 3 children with his first wife and 3 with his second (which I am one of) I have recently found unclaimed funds from his life insurance... I am wondering who would be entitled to his funds... My mother (the second wife) has passes away shortly after he did so it's just my half siblings, full siblings and his ex wife surviving"


How much the insurance for porsche 911 per year in california?
How much the insurance for porsche 911 per year in california?


"Can a mortgage lender ask for information regarding a life insurance death benefit? If so, what do I need to disclose?"
Can a mortgage lender ask for information regarding a life insurance death benefit? If so, what do I need to disclose?"


Can someone please explain what an elimination period and a benefit period means for life insurance and disabi?
Thank you mbrcatz


Does Obama Care require a person on Medicare to buy part D insurance?
Does Obama Care require a person on Medicare to buy part D insurance?


Where can I get Affordable Life Insurance?
Where can I get Affordable Life Insurance?


Which insurance company is the best?
My husband changes jobs quite frequently so we're not able to have steady health insurance with his job so we're thinking of getting our own health insurance. I was just wondering if any of you know which company is better in regards to their rates and coverage. I've gone to many websites before and they won't give me a quote without putting in my information and I don't want to get bombarded with soliciting phone calls. Does anyone have personal experience with a specific health insurance company?? Thanks for any help you can offer!


How much would maintenance cost on a BMW 325i?
a 2000 ish-2003 bmw 325i (same series)...how much would maintenance cost? I like the BMW in that it has EVERYTHING that I want, it's (2001) version is in my price range to buy, except I'm a student and I work part time. I can at an uncomfortable MAX 100$ a month for maintenance (not including gas and insurance). I am a DIY person (I can do moderately difficult car repairs) so I won't go to the dealer much. But I heard that this BMW needs synthetic oil and premium gas, and a couple of my friends said that BMW's NEED maintenance or else they suck. I will do NEEDED maintenance (such as if I need oil change, or my brakes are bad) but I won't do stuff that aren't needed (like idk...coolant flush etc.)."


How do I cancel my Aetna insurance policy?
I'm currently a college student. Back in August, I paid $900 for the Aetna insurance plan, because I didn't have health insurance (for the first semester only). My mother offered to put me on her plan, which would be much cheaper. I already paid the $900 for this semester though. Will Aetna refund me?"


Do health insurance companies think the average person is a moron?
I am having a tooth implant. My insurance co. won't pay a nickel for it. They say it is not a necessary procedure since there are alternatives even though I had to sign a statement with my dentist that included the clause 'I understand this is a necessary procedure in my case because alternatives could jeopardize the health of my entire tooth structure.' Then I noticed my dental insurance pays for preventative oral cancer screening. I asked their rep whether that was a necessary procedure since obviously it's not, since it's preventative. The rep gave me some b.s. answer. Then I said, why don't you just admit you won't pay for the implant because it's expensive?" The rep said