There are plenty of providers out there, and they can also offer preventative care insurance. I personally go through ASPCA, but shop around. It could save you a lot of grief in the long term, and can save your animal too.
I especially recommend this for people who couldn't handle an overnight $3k vet bill. Budget out the $25 a month instead because, at some point, you'll need it, and you never want to be in the position of picking between your wallet and your pet.
Edit: $5k in illness/injury a year. Sorry for any confusion on that front.
Edit 2: To address all the naysayers who say "just save up instead". I think it's better to say that if/when you have the savings to handle $5-15k in pet expenses, you can go without insurance or cancel. Until then, it's better to carry it, at least to me. There are plenty of examples in the comments of pets getting hurt in the first year and insurance coming in for the save.
Everyone should obviously analyze their own situation. The "just save up instead" attitude falls on its face if your pet gets hurt or sick in the first 5 years of the "save up" approach and those savings aren't enough to cover it.
Edit 3: Lots of love to Healthy Paws insurance from people in the comments. I'll probably switch to them in the new year based on people's experiences here.
Why YSK: Car seats are expensive and usually extremely safe. Even if your child car seat takes no damage during an accident, your insurance company should still replace or reimburse you for the full amount.
My financial advisor is trying to talk me and my wife into life insurance. We are late 20s, no kids, so he says we can sign up for term and then later roll it over to full life. From what he told us it sounds like the whole life policy would turn into an investment. I don’t really see how this will be all that beneficial. Why wouldn’t you just invest elsewhere. I have another meeting with him soon so I’ll ask him about it again but I wanted another opinion on the topic.
Also only break 1 headlight and 1 tailight
If you have a kid that doesn't have at least a vague family resemblance, put it up for adoption and try again.
I apologize for how ignorant I'm going to sound. I literally don't know how this shit works.
I am a college graduate who comes from a family who has never had insurance because of affordability. I really need to go to therapy and I'm looking into coverage from Blue shield. My job is offering to pay part of the premium. The only plan that is semi affordable that covers counseling has a 2200 deductible.
You're telling me...that i'm paying every month to have insurance that does nothing for me, until I pay 2200 out of my own pocket? THEN, I will pay monthly, and pay a co-pay, until the next year comes around and I have to pay 2200 AGAIN? What is the fucking point? I will never use up 2200 worth of therapy before the new year comes around. By the time I do, it will literally be time to pay 2200 again. Please tell me if I'm understanding this right. I probably sound like a stupid, sweet, summer child but I'd rather ask and look dumb than be in the dark on this. Thank you.
My CB300F was stolen back in August. Local cops found it in December, just ten miles away from where it was stolen. I'd long since gotten an insurance payout and a new bike (and a new apartment that isn't in a shit neighborhood), but thought it'd be interesting to see what condition the bike was in. Maybe the assholes who'd stolen it at least took care of it.
Edit: Imgur is shitting the bed, how surprising. Just look at it here https://www.copart.com/lot/59672970/2016-honda-cb300-f-tx-ft-worth
No idea if the cops arrested anybody, they probably didn't, and it's too bad because the people responsible for stealing the bike and ruining the bike deserve the gallows.
Chain up your rides, get an alarm system, sleep lightly and have an elephant hunting rifle or a 2x4 with nails sticking out of it if you don't want this to happen to you!
My family and I recently moved from Indiana to Utah and I'm filling out new hire paperwork for my new job. The insurance costs are ridiculously high and I can't afford even the cheapest option. My son has a pretty serious heart condition so we will most likely pay the maximum out of pocket amount every year. The cheapest family plan is over $600 a month with a 12k deductible and 13k out of pocket max. The other 2 insurance plans they offer are not any better. Does this seem really high? Should I find a different job with better health insurance? Im not really sure what my options are at this point and any advice would be greatly appreciated.
Thank you so much for all the very helpful comments and helping me better understand the situation I'm in. I have a lot of phone calls to make on Monday and I believe I'll get this all figured out thanks to you awesome people!
I came home with a letter in the mail indicating my wife had life insurance from Mutual of Omaha. She died 9 years ago, so this is coming as a complete shock. I was the one who had a job and had life insurance, so I didn't know she had coverage. What kind of value could I expect? Please feel free to speculate, I can't call them until tomorrow. Right now I'm completely stunned and of course this brings back memories and thoughts of the past.
Update: I called the company first thing in the morning and found out the life insurance is valid, but the agent wouldn't discuss the details. I have to wait for a specialist to call me back, and they didn't call yesterday. I was at work all day so they wouldn't have reached me anyway. I'll call again today, and I also have a few days off. Hopefully I can get all of this cleared up in the near future.
Update2: I was able to find out the "face value" of the life insurance. Its $12,000. I would assume that means there will be interest on top of that? If so, can you speculate as to how much it might amount to? Or, does the "face value" already take into account gained interest?
I wasn’t in this accident that this girl was in, but I was a witness as I was driving around. The girl was a pedestrian walking on the sidewalk- she looked to be around 15 years old maybe 16. and then a guy on his bike (not to be mistaken with a motorcycle, just a general bicycle) was trying to avoid a car that was speeding very close to the sidewalk so the biker ended up crashing into the girl (and the biker was already riding fast because he was trying to steer away from the car. The bike shoved the girl like 4 feet forward from where she was walking and the biker landed beside her as the bike landed onto them. The biker was okay, he wore a helmet but the girl’s land was bleeding very badly, and she couldn’t get up very well without wincing, she ended up standing okay but I told her I’d call 911 since she’s bleeding, she’s just a kid.
She told me not to because she doesn’t have health insurance, then I asked how old she was and she said that she’s 18. Not that it was any of my business, I asked her why she doesn’t have insurance and she said that she got kicked off of it because of her age.
I called 911 anyway because her arm needed serious examination because blood was literally dripping. She noticed me calling and said again not to because she has no insurance and can’t afford the hospital. Then she ran away because I ignored her. I understand that she’s 18 so she can refuse care I suppose but I can’t let her go like that.
The police ended up showing up along with an ambulance and I told the police that the girl ran away. They went looking for her because I told them she shouldn’t be hard to find because she seemed so much in shock that she wasn’t moving much so I couldn’t imagine she’d run much longer.
I got a call 15 minutes later and I got called to the station to report what I witnessed, the girl was found but thy said that they can’t force her into care because she’s an adult.
I feel slightly embarrassed because I wasted the time of the police and ambulance, plus I only made the girl run which could’ve worsened her pain even more.
Apology in advance - first post and English is my second language!
As a part of my job I (27f) I often drive at night. Six months ago I was parked for a red light when out of nowhere this guy (mid 20 ish) on a bike rams into the side of my car, is thrown across the hood, shatters the front screen and lands on the other side of the car. In shock I run out and check on him. As he complains of back and neck pain I call "911" even though the guy begs me not to as he has been both drinking and doing drugs. The ambulance and police arrive, and the paramedics take care of him while the police interview me. Even though nothing major happened to the guy I been feeling really bad about it and had trouble sleeping.
A couple of weeks ago the police investigation concluded that I was without fault in the accident, and that the guy was to blame - most likely do to the drugs and alcohol. I thought that was the end of it but then I start receiving messages from the guy's mother asking for me to say that the accident was both our fault or else the guy couldn't get his insurance for a new bike. I refuse because.. well it was his fault... But then the mother keeps messaging saying stuff like that her boy could have been seriously injured, it's my fault that he can't get about because they can't afford a new bike and since it is a company car it would have no consequences for me personally in relation to my insurance or my criminal record (which is true), but I have always been very careful driver and done my utmost to act within the law.
I'm I the asshole for not saying we were equally to blame and thereby keeping the guy from getting a new bike?
I used to be covered by Anthem BCBS through my employer and my employer has a policy that all employees will continued to be covered through the last day of the month that their employment ended. My last day of employment was August 4th so I assumed I would be covered for a doctor's appointment I had August 31st. Anthem has rejected covering it and is claiming my coverage ended on the 30th, I have filed an appeal and they took 3 months to tell me they declined my appeal.
Questions I asked a rep from Anthem:
Everyone from Anthem I've talked to has been super unhelpful and unapologetic. I contacted my previous employer and they confirmed I should've been covered August 31st. I'm not sure what to do at this point.
**Update: Here is the exact wording Anthem sent me in their denial of my appeal: "Please be advised, the services that you were rendered are not eligible for coverage under your plan. The reason for this is because services were rendered after your coverage termed. Our records confirm that your plan policy terminated on August 31st, 2020, which means any services rendered on this date are not considered eligible for payment." Then they quoted part of their documents: "Not Covered. Services received before your effective date or after your coverage ends, except as specifically stated under EXTENSION OF BENEFITS" So because my policy terminated on August 31st theyre saying I have no coverage that day.
**Update 2: The exact wording from the paperwork I signed with my employer: "If you were enrolled in _____ medical, dental or vision plans, your coverage will end at midnight, the last day of the month in which your employment ended."
**Update 3: COBRA coverage is dated to start September 1st. So this appears to be an issue between my employer and Anthem.
When we married I had two kids from a previous marriage and he had one, and we also had one together.
Part of me feels like dedicating a share of the payout to helping his step kids would be stealing from his biological children. OTOH I feel like he raised them for long enough(9 years) and had such a bond with them that it would be cruel to deny them their share of that assistance.
Truthfully he was more of a father to them in the past few years then their biological father has been, and I can't say for sure what his stance would have been on the issue.
Considering how buggy this game is, and how easily you can lose your ship to a bug, or bed logout not working correctly, I find it ludicrous that in 3.12, I have to wait three hours to get my Carrack back even when it's not my fault.
I can see balancing the wait times is necessary, and while the changes might make sense for a polished game – now is too early.
See changes 3.12 changes: