Insurance Costs Knowledge Base
Insurance costs.? I'm starting some kids day camps in a small Canadian town and I was wondering if you could tell me how much it would cost to get liability etc insurance. I'm renting a place and the insurance is covered so thats no worrie. Also, do you think it would be acceptable to just have the kids parents give permission for the kids to go swimming in the (shallow) lake near the camp location, or would I still need a lifeguard. I'm one step away from being a lifeguard and I'm more than able to care for them should the need arise, but with my job and all, it's just been too busy to finish it all off. I have my first aid and cpr though. So, ya, insurance costs and the swimming thing. Also, how about foodsafe certificate? I will be serving food to the kids as a snack, do I need to be certified? thanks
Can I reimburse myself health insurance costs from my company? We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband's employer, I stopped reimbursing myself. He is paid for by the company, and then it costs extra to add myself and our child. I was just going to deduct health insurance premiums on our Sch A, but we don't have enough other medical expenses to meet the limit. Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.
How much does Car Insurance costs about in the UK for me ? Hello . I'm thinking to buy a used car because it is important for me here where I study , but I've heared that the insurance costs a lot in the UK . How much does it about to cost for car insurance to me in the UK , if : 1- I'm 20 years old. 2- I have 1 year experience in driving . Also , How much does it costs for registration ?
How can I find out what freight and insurance costs will be to ship products from China to US? I'm working on a business plan to ship "flowering tea" into the U.S. from China so that I can start a business here in Arizona selling flowering tea to the resorts and spas that abound in this area. I need to find out how much insurance costs will be on the shipment as well as what freight costs will be if I have it shipped by air to my house here in Arizona. I need these numbers today! :-( Help!
Car insurance costs more than car is worth? One of my friends works a minimum wage job, and his car insurance for one year costs more than he paid for his 87 Mazda truck. He paid $1300 for the truck and his insurance is $1800 per year. Between insurance and gas, he is working just to drive the truck, he told me he is just going to drop the insurance on the truck, because the truck is a piece of crap and is not worth $1800 for just basic coverage. I tried to talk him out of it, but he said he is not paying that price to insure a piece of junk.
Does anyone know how much insurance costs for a small business? It's a bar and grill - a sports bar, really. I'm doing an econ project, and I need to know how much insurance (health, workers' comp, general liability, liquor liability, etc...), liscensing (billiards, liquor, whatever), and any other technical things cost. Please help me. I've called insurance companies, and I've been shut down everytime.
Is there any way to avoid outrages insurance costs after a DUI? I recently got awarded a DUI... and I feel like I've been going downhill ever since. But what I am here for is to ask this question... What can I do to avoid paying double to triple ($500-$700/month) on insurance costs? Can I move to a different state to avoid such robbery? I never realized just how dependant I was to my car in order to even function as an adult in society... I really need an answer that will help... thanks... Everybody, I know you all look down upon me instantly because I have a DUI. I know my mistake. I have already learned from it. I'm never touching alchohol and driving again. I have to hear this every time I even mention it. I was actually coming to pick up a friend who was too drunk to drive when I got cited. Be it a good deed or not, I'm still getting punished for it and I feel terrible. Every single day I am getting more and more depressed. Please, I came here for your help, not your hate.
What can I expect for health insurance costs as an early retiree? I'm 35 now and plan to retire around 40 or 41. I'm not exorbitantly rich, though; I've just saved enough to support my expenses and will do what I want instead of going to work every day. What I don't have a good handle on are my options for health insurance (before reaching age 65 and Medicare, or whatever age at which Medicare will be available in 30-40 years). Are there any in the industry who have seen similar situations and have suggestions about what to expect? Thanks, Doug The question is about what to expect for insurance costs between age 40 (my retirement) and 65 (transition to Medicare).
Can an aftermarket stereo add to insurance costs? I heard somewhere that if I put an aftermarket stereo into my car(like a new faceplate or Sirius and XM radio) that my insurance will go up. Is this true?(I'm 16 and live in CO, IDK if that matters)
Where can I find a list of health insurance costs per state? I just moved from Massachusetts to North Carolina. I am 27, self employed and ASTOUNDED at the difference in price for a top shelf plan. My coverage was $450/month in Boston and $159/month in North Carolina. I am now looking to see what similar coverage costs in other states, but have not been able to locate such information online. Any help? (a specific webpage would be great!)
Can I buy insurance for travel costs if my parents die? My parents live in my home country (New Zealand) and I am an expat, living in Germany. Where can I find insurance for travel costs, in the event of their death? I know they will die one day, and last-minute flights around the world can very expensive. Alternatively, does anybody know if some airlines still offer special rates for family members in mourning?
Does anyone know roughly how much insurance costs to do horseback trail rides? We own a boarding stable......we have insurance for that part.....we are thinking about offering trail rides......but are unsure if we could afford something like that. Does anyone know how expensive it is? Any info would be greatly appreciated. (FYI.......we have contacted our current insurance agent...she has yet to get back with us....it's been over a month!)
Outfitter/ guided trail ride insurance costs? I am putting a hypothetical management plan together for a class and need an estimate on how much insurance would cost for a year. The place would be WY, and they are guided trail rides hours to days, and hunting expeditions. Also, if you can think of any concerns I should look into- it doesn't need to be extremely detailed, but I need relatively accurate financial costs. thanks in advance!
Insurance costs for people with only 1 child? In your state, how do insurance costs differ for people with only 1 child? Here in NY State, I was lucky enough to be eligible for Child Health Care Plus for my son. I am a single parent. I paid a small premium each month. I had insurance through my jobs that paid in full for single insurance but it cost a fortune for family coverage. What I thought was unfair was that people with 1 or 2 kids paid the same premium each month as those who had a slew of kids. I felt the cost should be staggered.
Does insurance cover the costs of braces? I'm 14 and i need braces but they will cost $4000. I don't want to wait any longer to get braces since i've waited long enough but my parents really can't afford it. Does any health insurance cover the costs of braces? I want to get them real badly since i'd hate to wear braces into my late teens. Help please?
Should health insurance costs be lowered by disallowing certain high cost illnesses? For example, I heard that there were only 350 hemopheliacs in Colorado, but their annual expenses can be hundreds of thousands of dollars. Given that there are so many people who have no medical insurance for normal illnesses, because the price of insurance must cover these high-maintainenance illnesses, should there be a limit on the illnesses covered so the costs could be less and more people covered?
California employers and health insurance costs, are we getting ripped off? My employer recently stated that there was going to be a 27% increase in our health insurance premiums. When I call the insurance company, they denied any increase. Our local agent/broker refused to discuss it with me. When the deductions started coming out of my check it was an even 40% increase. The California labor board will do nothing without a written statement from the broker but the broker is stonewalling. Any suggestions to correct this obvious theft?
What would lawyer costs for an auto insurance company be? I'm trying to work out a settlement with the auto-insurance company over an injury that happened last December. They're offering $3,500, but we want $5,000. I was wondering how much it would cost them in legal fees, and lawyer costs if we were to bring this to court. It could help in our bartering if we know they'll be saving money just settling. Thanks.
What are the costs of opening up an insurance company? Hi everyone. Say if I want to open up an insurance company, what kinds of cost should I be expecting? Costs include material ones such as the amount of capital required and the relevant operating costs, immaterial costs such as having to find out what kind of regulation to obey and to what extend is the potential risk I will be in for? Just costs like the above examples. Plesae, help me to find out these costs. I know the costs are going to be A LOT! But, I just want to know what KINDS of costs and approximate amounts of them. Thanks. Well, by the law of large number, not really if you have a large number of insurants. A regular insurance company does not hold the same amount of capital as their policy liability at all time either. Anyway, I don't intend to open up an insurance company, I just need to know what the relevant costs are.
What is the living costs in Singapore? mainly Health insurance, taxes, renting appartment & energy/water costs I am planing to move to Singapore and need to have an idea of the living cost in Sincapore for a sinlge person. Mainly looking for answers regarding: Salary income taxes level for persons not from Singapore, but with Singaporian contracts? If there is private of "publich/social" Health insurance costs, what may be the cost of an avarage coverage for healthy males? Cost of renting appartment (rental cost, service cost of buldings, parking slots, energy and water consumption cost, etc. Phone and fast internet connection monthly fees (excluding the usage. Just the monthly connection fees) Thank you in advance for any answers related to the above questions.
How will the market downturn effect insurance coverage/premiums and medical costs? The myth is that law suits drove med costs through the roof. The Reality is that the Insurance companies lost their shirts in the 80's recession with investments in the stock market which drove up their costs to recoop. Now that another recession is occuring, what effect will it have on insurance coverage/premiums and medical care? East Coaster (below) If they killed or permenently damaged people, they SHOULD be driven out of business. Do you agree?
INsurance costs? Does anyone know the average price for a 16 year old to get insurance on a 2006 scion tc or rav4
Insurance costs? How much do you pay for your medical/life insurance each month? Mine is about RM200.
Insurance costs for new drivers? 17 years old, been driving for 1 year, completed drivers ed. what is an estimate for insurance costs( monthly) in ontario (ottawa) canada.
Anyone know how much insurance costs for a kid? Any idea how much insurance costs for a kid? A friend with two young ones lost his job recently. His are 9 and 12. He has no other family. Kids have no real health problems. I was thinking about helping him out with insurance for his kids, but I want a ballpark estimate before I call an agent. I saw on one site that wasn't a company selling insurance ( http://www.kidsareexpensive.com/toddlers_six.htm or http://www.kidsareexpensive.com ) that it was around $200 a month. Is that really close? Sounds high to me. Thanks!!!!
Is anyone SICK about health insurance costs? I had great health insurance, but was fired from my job because I had a baby. My choices were: COBRA or another policy. I plan on having another baby next year. There is NO insurance that will cover pregnancy, which was a $40,000 procedure the last time I gave birth. YES, they say they cover pregnancy, but there is a big BUT: They don't cover it within the first 2 years of your subscription. I took the cobra. It is fantastic, and covers my pregnancy...BUT BUT BUT.....it costs $400 per month. This is absolutely horrendous. It should be illegal to refuse to cover a woman's pregnancy, especially if she is paying for her insurance. Of course, all these super-saver insurance deals have come up, but it doesn't save anything. There are $4,000 deductibles for families. How does that save money, when they already have to pay a monthly premium? My health insurance (for me alone...not my husband or daughter) is almost HALF my income. Something is seriously wrong. I have BCBS, and have been checking BCBS rates for non-cobra coverage, and the ones that DO cover pregnancy have a 2 year waiting period....no exceptions. Wow...we have a good discussion here! Glad I asked the question. :)
trying to keep auto insurance costs down.? how many years old would a car have to be to not see to much of a difference on auto insurance costs down right now i pay 354 dollars every six months.my car now is a 1999.so far i have been smart enough to by cars where my auto insurance wont jump sky high.what do you think.
trying to keep car insurance costs down.? how many years old would a car have to be to not see to much of a difference on car insurance costs down right now i pay 354 dollars every six months.my car now is a 1999.so far i have been smart enough to by cars where my car insurance wont jump sky high.what do you think.
Your opinion as to why insurance costs (medical) are so high? What do you think can be done? I've worked in insurance & the medical field & the fraud that goes on is a huge cause of high ins costs. More should be done to crack down on the people & institutions committing the fraud. In the hospital I worked at, during a surgery case you maybe used two strips of elastoplast to hold a dressing on. The patient is charged for the whole role. This was also the case with regular tape. My friend had a C-section & had to pay it all for lack of ins. She went over the bill & got $700 taken off it. They had charged her for a certain medication 3 x a day & she only took 2 pills. They charged her for sitz baths for her episiotomy, which she never had because she had a c-section. She found a few other discrepancies also. If you don't see your bill, your ins co may be being charged for things you didn't even receive. People who milk dbl and workers comp claims are ridiculous. They don't show up for exams causing more paperwork, etc., all costing money.
Who should bear the brunt of health insurance costs? Employers or taxpayers? Those people who work jobs with no benefits probably get health insurance through the taxpayer with programs like Medi-Cal and such. Someone has to pay the costs. And it's unrealistic to expect the worker to pay since he/she is not making enough to afford the high costs of health care. And before you say, "they should go to college and get a better job" remember that if everyone was able to do that, you yourself would be making much less money since the competition for your own job would be higher.
Am I paying too much in Title Insurance Costs - Kansas location? I have recently sold my house and closing is near. The title company was selected by the agent. The title company wants me (the seller) to pay $850 for a "Owner's title policy" and $150 in closing costs. They buyer has to pay $225 for a "Title Policy". I assume the buyer's policy is the "Lender title policy". I understand this buyer/seller split is normal for Kansas. However, The $850 seems high to me when there have been several title searches on this property already with refinancing. Is there anyway to determine how these rates compare to what other title companies would charge. Is there a website that quote competitve rates....like what you would find for car/life/home insurance. Thanks in advance.
When people mention health care ,welfare , tax increases ,and rising insurance costs why include me .? I have a good relationship with Roger my doctor and he was happy to deliver my children .I only had to pay a hospital bill for the delivery room and nurses and some medication . It was less then 1500 dollars a child . Roger would come by the house each month and check up on Susan my wife and reassure her everything was fine .I have some money I invested that is ear marked for a rainy day ,around 250,000 dollars ,more then enough to cover any medical problems and it continues to grow each year . I can not understand why people pay out a 100 dollars a week for years and get nothing back . Start saving this money early and in 20 years as you begin to need medical care you will have plenty .Now I do have a policy with a 100,000 dollar deductible that insures all my families medical expenses .$145.00 a month is all this costs but I do have to pay all the minor medical bills myself and for medication . Why is everyone complaining about the high cost of insurance . Just leave me out of it Steve if you look closer you will see I have a policy to cover all costs above 100,000 dollars no limit . This runs $145.00 a month .
Insurance costs for new drivers? I am thinking of getting my driver's license in about seven months (when i turn 18), but i am a bit discouraged by the quotes for car insurance that i have been given. I was told that car insurance for new driver's is about $3500 per year (and this is with a 40% discount for maintaining a 4.0 GPA). If i am put on my parent's insurance plan, it will still cost me $1100 per year (i have to make up the difference caused by adding me to their policy). Is this the normal rate for insurance for new driver's? Any other way to lower the cost? Any help would be greatly appreciated because i really want to learn to drive but the cost is so great...especially since i will be starting college next year. How much driving experience do i have to have before the insurance cost goes down? What other factors would cause the cost to go down? I'm sorry..forgot to say that i live in New Mexico
Average insurance costs in the UK on a Porsche 911 Carrera?? Does anyone with a Porsche..any model but preferably one of the 911 series..know how much the average insurance cost is in the UK and can anyone recommend cheap porsche insurers? THANX I am planning to get one next month. I am looking to buy a new one '05 reg, I am 24 and have had my license for 2 years, live in a posh area...thanx
Health Insurance costs for one person-Texas? I'm thinking of getting a job that pays a little more but they don't offer benefits. I've never paid for it myself, how much can I expect to pay for decent insurance? I guess I should give more information. I'm a 21 yr old female, full-time student with a full-time job. I don't have any major health concerns but I do want to make sure that if I get sick, I won't be stuck not being able to go to the doctor. I'm not concerned with maternity coverage because I don't plan on getting pregnant soon if ever so I do need prescription benefits to continue getting contraceptives.
Health Insurance costs.? Who thinks health insurance, and health care is way.........too expensive, and out of line; and something should be done about? Don't even think of answering if you have good health insurance.
Homeowners Title Insurance/Costs Standard? I am buying my first home and wondered if it's true (I've read several articles saying it is, but my attorney and realtor both never heard of it): Shopping around for a homeowners title insurance policy vs. just going with whomever the mortgage company/lendor selects at closing. One article: http://personalinsure.about.com/od/homeowners/a/aa071105a_2.htm I was told by my mortgage broker that he's never heard of it either and by his account, it is generally a standard fee across the industry. Am I the only intelligent one of this bunch, or am I reading all the wrong websites? :-) I plan on calling my property insurance company and see if they also offer Homeowners Title Insurance policies and how much they charge to compare.
Massachusetts Auto Insurance costs? Can Anyone tell me how much I should expect to pay for insurance in MA? I am a newly licensed driver, 20 years old, female, not married and will be driving a 2002 Nissan Sentra. I dont have any accidents or anything and would be the only one driving in my family. Im a college student
Reducing health insurance costs? I have health insurance through my employer with 80/20 coinsurance and a $1000 deductable. My employer pays 60% of the premium. Are there any changes I can make to reduce my out of pocket expenses?
Loan interest rates, insurance costs, titling tax, finance charges...HELP!? Okay, I am looking into getting a car, at the same time - doing a project for driver's ed. The project is your max loan amount is 5,000 - including the taxes, tags, insurance, and other expenses. The car I found is a 1992 Geo Storm that is going for $885.00 with 113,000 miles on it. So, what would the loan interest rate, titling tax, amount financed and finance charges? Please help...!
I need some guidance about life? ie taxes, social security, college costs, insurance, etc. Tennessee resident? I'm about to move out of my parents house. What in the world do I need to know about the whole bill thing? How much is insurance? Social Security? taxes? and more importantly... how much would a community college cost? (i have a 3.8 gpa) I'm thinking about going to the community college of memphis. Is it wise for me to go to a community college first? and then I'll go to a bigger university like university of memphis? Oh and for housing, I decided to live with my boyfriend's family. Don't worry, we'll be supervised, and we've already decided we wanted to remain virgins. PS. asking parents is out of the question. they cannot help me. PPS. if you want to know my current situation go here: http://answers.yahoo.com/question/index;_ylt=AkbGE1537r4znmL6EQrKzMDsy6IX;_ylv=3?qid=20071225013456AAFrsrQ I don't need [or want] any lecturing about going back home or not living with my boyfriend [he is a major pillar of support, no sex til we're already in college!]. i need advice on how to go forward in this greedy, uncaring, cruel world we live in. Oh and I have a job as a waitress. and sales clerk now. that'll be like 150$ a week. How can I use and save my money efficiently? well duh, my boyfriend's family will feed me and house me... but who knows for how long they can do that? I have a very solid relationship with my boyfriend.
Hillary supporters, if Hillary is going to drive down health insurance costs so much, then why the mandate? If she will make the prices for health insurance as low as she says she will, why is she going to mandate all Americans to insure themselves (even the low-income workers who can't possibly contend with a new health insurance bill every month)? If it will be so cheap, shouldn't she not have to force us to insure ourselves? People would buy it themselves... unless they cannot afford it. And that's the mystery. The mandate makes no logical sense. Barry, you sheep, prepare to eat your words. http://www.cnn.com/2007/POLITICS/09/17/health.care/index.html I guess you didn't watch the debate. Barry, it is going to be mandated. Hillary has admitted that many times. It is fact. Everyone knows this, but you. And just so you know, I watched it 4 times for goodness sake! Don't even get me started on Hillary's Iraq War position. She doesn't even have an estimation for when our troops will be home, while Barack pledges to 16 months. Besides, Barry. You're the one who believes that debunked crap that Obama is a Muslim. Your extreme gullibility diminishes all your credibility.
Why is John Edwards opening a probe into high gas prices instead of against high health insurance costs? Doesn't anyone else find this odd? http://washingtontimes.com/national/20040816-011234-1949r.htm http://news.yahoo.com/s/ap/20070531/ap_on_el_pr/edwards_gas_prices I spend a lot more on health insurance a week then I do on Gas, thats for sure. I spend $53 on health insurance and $23 on gas. That seems like a lot bigger cost that he seems to be responsible for Mr, Mojo, as an independant contractor myself, what you said is absurd.
Motorbike Insurance. At what point does acceptable costs become insurance write off? I've recently had a little accident on my bike and it's currently in the garage getting an insurance quote and repairs arranged. Now, I've asked this question to my insurer and they 'aren't allowed to answer that' which is immensely helpful of them. My bike is insured for £2600, the purchase value. Repair costs as quoted by the garage come to just under £1500. Will this result in a write off from the insurance company? Previous experience leads me to believe it won't, because the only other time I lost a bike like this it was over two thirds of the insured value for repairs, but I'd just like to see if anyone can give me a definitive answer. Tango... that's what I thought, too, right up until the point where my old bike, valued and insured for £4500, attracted repair costs of three thousand pounds (which I nearly choked at in the first place) and the insurance company actually wrote it off and removed the bike from the garage before I'd even received the information that the insurance cheque would be on it's way.
MRI Costs with insurance? I've been diagnosed with sciatica and am considering an MRI to determine its severity. I have pretty good insurance thru Blue Cross. Does anyone know the costs associated with an MRI?
My wife is having our first baby, I have a question about insurance/hospital costs? I have Bluecross of California, this is our insurance info: $300 deductible 25% co-insurance $2,500 out of pocket maximum (stop loss) So if my wife has a hypothetical delivery with a cost of $12,000 then we would pay as follows, right? $3,000 because we pay 25% of the $12,000 bill -$500 because our out of pocket maximum is $2,500 and the bill was $3,000 + $300 deductible (or is the deductible included in the out of pocket max?) = $2,800 is the maximum we would pay for the delivery Are my calculations correct? I want to make sure I set aside enough money from our savings account for the baby’s birth. I am unsure how insurance works. Thanks!!
Hospital Check up costs without insurance? Does anyone have an idea what it costs for a hospital check up/physical when you dont have insurance? I'm sure its not cheap. But I think I might need to go the doctor, but dont want to see the bill if I do. Thanks
Dentists and insurance costs? Ok, I have a horrable fear of the dentist and havent been in three years. Now I know I NEED to go but I have a panic attack just calling around for one. I have heard that some of them can administer a gas that calms you ar knocks you out before the dental work. Does anyone know if its covered under any insuraces? Or what the cost is per visit, or each time they do it? I have New York State Medicaid by the way. Thanks
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