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Why does Health Insurance have so many deductibles?

I am not complaining because I have really great insurance, just wondering why there is a deductible for everything? I mean you pay for the insurance every month, plus I have a deductible for dr visits, one for prescriptions, one for dental etc. So just wondering why so many? My dr deductibles are $300 a person, but my prescription deductible is $150 which I will probably never meet cause I am on no meds and rarely go to the dr for a sick visit. So why so expensive? Thanks in advance!

   








What if i stop paying my insurance when i have a car loan?
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Fast Car Low Insurance Group?
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How much would car insurance for a 16 girl cost?
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Is my car worth it?
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Does Mexico have quality medical care insurance at affordable rates?
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Can I get my motorcycle registered with no title?
I just brought a bike for really cheap and I can get it insured so I think it isnt stiolen but if so how can I get it registered in the state of texas with no title


Does having to file an SR-22 form make the insurance more expensive?
Until I just read some answers here in the Yahoo Answers thing I didn't realize that SR-22 was just a form and not an actual type of insurance....so I guess now my question is just does having to file for SR-22 make the insurance more expensive? Can any insurance company file the SR-22? What is the process there, do you just go in to an insurance company and tell them you need to get insurance and tell them you need to file a form SR-22 with it? How would that work with other people in my household who will need to be insured as well? My husband and I both have not had insurance for a couple of years, but I'm the one who has been caught driving without it on several occasions and I'm the one the DMV wants an SR-22 for. I just...I have no idea how it all works, can someone please help me out? And the main thing I just want to know how much more expensive it will make the insurance. Thanks. Please email me at rachaelsbird1@gmail.com if you need more information from me to answer my question better. Thanks to anyone who will answer."


Can i put my car under my dad's insurance even thou its registered to me?
My car is financed but the insurance rates are thou the roof! im paying over 475 a month for full coverage, can i have my dad add it to his policy as a second car and still have it registered under my name? Will the finance company find out? will this be possible?"


Lapsed insurance....?
ok so basically i sideswiped someone the other day and my insurance was lapsed, but their insurance is going to cover it but send me the bill right.... so how does that work?"


Info on AMC Rambler! Help Please!?
Hey, im 16 and am getting my license soon and am in need of a car. If found online a 1963 AMC Rambler in very good mechanical condition as well as good interior and exterior condition. i just need some info on the car and cant find much. What is the top speed of the car? is it a good first car. im really into cars and was planning on giving it a new paint job, exhaust, etc. Is it an overall good car? More importantly is it a good first car? http://boston.craigslist.org/nos/ctd/956540833.html That is the link for the car. So basically im just looking for info on the car, is it a good first car and so on... thanks jordan"


15 Minutes could save you 15% on Car Insurance?
15 Minutes could save you 15% on Car Insurance?


Best medical cashless policy plan in india.?
hi, i m narender frm delhi age 29. i want mediclaim cashless policy.which the best policy in India"


I want to change car insurer?
i am currently with admiral insured on a 1.9 dci renault megane. i am a 19 year old male with 1 years no claims bonus, i have been looking at getting a new car which is a suzki sj 1.3 1988. The problem i have is that i have paid around 1500 upfront for a year of insurance, but now i hav efound a new car i have also found that rac insurance is cheaper, if i cancel my insurance with admiral now will i get the 1500 back, well taking into account i have used a month insurance so that 1500 will go down a bit, im just checking to see if i can do this to stop my self from losing 1500 thanks"


High End Luxury Car Financing?
My husband and I are planning to purchase a Ferrari next year. Can anyone explain how high end luxury car financing works in the New York/New Jersey area? My husband is from England and I am completely useless when it comes to cars. We have no idea where to start with regard to financing. Any advice you can provide would be greatly appreciated.


Cheap car insurance quotes??
I've heard 'Co-op' is a good place to get cheap car insurance from.. However i've tried to get a quote of their site and it seems they want you to have a car already chosen or something. I don't have a car, im 18 and i neeeed one. Can anyone help me!? I'd like a fiat 500 orrrr a silver fiesta. Thank you!"


Can you claim on home insurance?
For broken tiled floor? I opened the fridge the other day and a bottle fell onto the floor and smashed up my kitchen tiles. They are cemented down so cant just replace the one tile. I wondered whether i could claim for a new floor through home insurance? Thank you Stacey x


"Could $5,000 cover the healthcare insurance premium for a family?"
If McCain's credit becomes reality, doesn't it seem logical that a major healthcare provider would put together an affordable health insurance package for the credit amount and market the heck out of it? Obviously, it won't have all the bells and whistles, but people would be covered. There is the issue of the tax on the premium, but it still seems like a good idea. This link was interesting - it describes both plans clearly: http://money.cnn.com/2008/03/10/news/eco... "


Car insurance do i have to tell them ??
am trying to fill in a form for a quote, i was involed in a crash which wasnt my fault, the other person admitted responsability, do i have to declare this as a claim ?? or do i not mention this, am trying to get a quote for this years car insurance Thanks"


Whats the difference between whole life insurance and term life insurance?
I am 55 in fair health. Which would be better for me, term or whole life insurance? Which is less expensive?"


Can I purchase a car privately & then keep it in a garage until May and have it uninsured?
I'm buying a car off of craigslist for $3k. Insurance is going to cost me $3k since I'm 18 and a male. I'm going back to college on January 20th. Can I purchase the vehicle and keep it inside a garage until I come back in May? I don't want to register the car & pay for insurance if I'm not going to be using it for a few months. Is this ok/legal? Just trying to get the best bang for my buck.


Why does Health Insurance have so many deductibles?
I am not complaining because I have really great insurance, just wondering why there is a deductible for everything? I mean you pay for the insurance every month, plus I have a deductible for dr visits, one for prescriptions, one for dental etc. So just wondering why so many? My dr deductibles are $300 a person, but my prescription deductible is $150 which I will probably never meet cause I am on no meds and rarely go to the dr for a sick visit. So why so expensive? Thanks in advance!


What's the best auto insurance company?
What's the best auto insurance company?


Who can ship my jewelry for the cheapest shipping AND insurance?
I'm starting a jewelry business and I need to know who has the cheapest shipping in the US with insurance. I'll be sending either envelopes or very small packages under a pound. Thank you! Kay


What's the difference between a salvaged & a clean title?(vehicle is fully operational)?
What's the difference between a salvaged & a clean title?(vehicle is fully operational)?


What is the best supplemental insurance to medicare?
I am looking for a reasonable supplemental insurance to go along with medicare with not too high of premiums ..within 200.00 to 250.00 range premiums with prescription coverage .. would anyone have any advice out there.. thanks in advance..


Is my car going to be declared a total loss by the insurance company?
About 2 weeks ago I was involved in a car Accident which was not my fault. The driver made a left turn and hit us while we were going through the intersection. Both airbags on our vehicle were deployed and there was damage to our driver side tire area. Our vehicle is a 2003 Dodge Neon and was in great condition before this. Here is a picture of it from the accident. http://img683.imageshack.us/img683/5751/15662047433344321352910.jpg Are they going to declare this car a total loss? If so, how much do you think we will get?"


Which 1 is the best and Cheap Car Insurance?
Plz Help! Just bought a Car and Looking 4 a good Deal! :)


Where should I take my car to be replaced after insurance takes responsibility?
I recently had someone back into me and dented my bumper. Today the persons insurance called me to say they take responsibility, and told me I could take it to a shop or have them fix it.. For some reason she ended up telling me to take it to the progressive office building for an estimate, then they would give me a rental, and the insurance would take my car somewhere to get it repaired. Does this sound like the way to go? I have a 2014 beetle that I'm leasing for 4 years. Thanks"


Where can I get affordable car insurance?
I am a female driver who has had a full licence for over 20 years, but I do not have any No Claims and I have 9 points on my licence. The points are for no insurance and having a defective tyre, nothing which reflects badly on my driving. Does anyone know of an insurance company that will not use this to increase the cost to an unaffordable amount."


Cheap auto insurance for students?
I live in south FL, 20 years old, full time college student. High GPA (good student discount) and clean driving record, also good credit. Please advise on low cost auto insurance companies."


Life Insurance for my parents?
My sisters and I are planning to buy life insurance for my parents. Being new at purchasing life insurance, I think we may end up just getting term life for my dad because of his age and health. My dad has health problems - diabetic. I'm not sure how life insurance works, so any suggestions or advice would be appreciated it! Thanks."


Is Marxist Communism or Socialism right for me?
I'm on SSI and Medicaid and private insurance and Food Stamps for mental illnesses and learning disabilities and I'm wondering if Socialism or Communism would be in my best interest? I know America turning Socialist and certainly Communist will never happen but what would be the best for someone in my situation? would it be Marxist Socialism or another type of Socialism or Capitalism or Communism or Leninist Socialism or Maoist Socialism or Trotskyist Socialism? what economic system and political system would be best for people like me?


Does Obamacare go by taxable income or all income?
I have been beside myself with how high the rates will be for Obamacare because I don't receive a subsidy. When I got onto the regular Kaiser site, off the exchange to check out rates, I noticed it asked what my TAXABLE income is. I never saw this on any other site, it just always ask income. I have some tax free things, so I'm wondering if I have to include this in my income, or just put down what I make that is taxable? This could really help me big time if I don't have to put down all. I still will have to pay, but at least not as much. It's ridiculous what someone has to pay who does not get subsidies, this is anything but affordable. My rates will more than double for less coverage."


My new job has a waiting period of three months for health insurance but we need medical treatment now!?
Thanks for the answers so far. I worked for this employer for 8 months before layoffs (school teacher, moved here for the job and low enrollments forced the program to close). They did offer COBRA but it was at an insane price ($1600/month). As I was unemployed and only receiving about half of my salary through UI, and my wife was completely unemployed, I would not have been able to even pay the rent, let alone pay for groceries. We already turned her car in to the bank to lessen the monthly bills."


Car insurance Rochester ny?
I I'm 19 years old and I just got my lisence and I am financing a 1999 vw beetle. I live in Rochester ny and I need full car insurance coverage. Does anybodie know any cheap Car insurance that I can afford the lowest I got was 153 a month with progressive but that's still to high. I need full coverage


Cheap insurance?
my 20yo son has 6 points and no ncb its his 1st car can anyone tell me a insurance company who not charge him a fortune please...........


Why does Health Insurance have so many deductibles?
I am not complaining because I have really great insurance, just wondering why there is a deductible for everything? I mean you pay for the insurance every month, plus I have a deductible for dr visits, one for prescriptions, one for dental etc. So just wondering why so many? My dr deductibles are $300 a person, but my prescription deductible is $150 which I will probably never meet cause I am on no meds and rarely go to the dr for a sick visit. So why so expensive? Thanks in advance!


What is a cheap auto insurance company?
Please be specific.


Does prescriptions go on insurance bill?
I'm still on my fathers insurance since I am 20, and I have an STD and need antibiotics and don't want him to know. Insurance is covering and want to make sure he can't see it somehow?! PLEASE ANSWER"


How does car insurance work? my mom recently wrecked our car-it cost 2000. we have 25000/500 deductible.?
what part do we pay


Can you be on someone other than your families car insurance?
I just want to know if it is an option to be on someone other than your families car insurance. Like a friend's or whatnot. Or is car insurance for one family only.


Is it cheaper for me and my girlfriend to get insured on the same car?
Hello, I'm wondering If anyone could help me, I am a 17 year old that is learning to drive and am looking into insuring a car. I'm currently searching to get insured on a 2002 1.2ltr Renault Clio, and was wondering if the insurance will be cheaper if I get my girlfriend who is also 17 and learning to drive insured on the same car, I'm not sure if 2 people on the same policy makes the insurance go down or not and could really do with knowing. Thank you for your help :)"


What is the average monthly rate for restaurant liabilty insurance in tampa?
And which insurance company in tampa do the restaurant insurance..Mind is in the plaza not free stand..


Mazda miata insurance?
okay so im 16 getting a miata, is the cost of insurance going to be high?"


Will my motorcycle license show up on the car insurance?
So before you guys rule me out as being immature about getting a motorcycle without my parents knowledge let me tell you about my background. I am a college student studying at Northeastern in Boston. I have my own apartment in Boston and I share with 3 other people. I pay my own rent and food and I work 2 jobs. I work around 25-30 hours a week and I am a full time student on top of that. I have a car that is under my dad's insurance and I pay for the insurance and gas. Lately, the insurance and gas is really killing me financially. So, I'm planning to give my car back to my parents and I will just get a motorcycle for the city. Its cheaper gas and insurance wise and its easy to find parking for it the place I live in. I have taken place the winter seasons and I'm planning to put it in a storage for the winter seasons. My question is that my mother is thinks that a motorcycle is unsafe and that its dangerous. I believe its up to the driver to be safe or not, and also being aware of the surrounding. My mom take cares of the insurances and she just tells me how much I have to pay her for the car, and I was wondering if I get my motorcycle licenses in MA, does it show up on the car insurance? I'm planning to insure the motorcycle on my own with a different company and register it under my name. So basically I don't want my parents to find out about it. I don't want to cause them any trouble. Lets say that I take my name off of the car insurance, but down the line I want to put my name back on the car insurance does my motorcycle license show up during re apply for my name under the car insurance?"


Is there a way for me to get cheap auto insurance?
I am 16 years old and from st.cloud minnesota. I don't have a car yet but I want to get one from around $3000-$4000. I have to go with State Farm because my parents have it. I am a safe driver and I get good grades. Is there a way to get cheap auto insurance through state farm through any special deals? Thanks


Help picking car insurance?
i don't have the money for a clean title car, so i want to get a salvaged title car and i want good insurance, but cheap, for it. any suggestions would help me greatly, thanks."


Teens: Do you pay for your own car insurance?
If so, how do you pay for it? How long do you work for and how much do you have to pay for your insurance? Just wondering :) and if you want what type of car do you have?"


Do I have to pay income taxes on a life insurance payout?
My grandfather took out a life insurance policy when I was born, and I recently cashed in on it. Will I have to claim in on my income taxes this year? Edit: For clairity, the life insurance policy is on ME, and I was the owner. No one died. My grandfather paid on it every year, and it built a cash value. I am now 25 years old, and I cashed out on it for the cash value it aquired."


What kind of car would have cheaper car insurance?
I'm Canadian.


How much does car insurance cost for a new driver?
Im 18. i live in California. i own a 2003 nissan altima. Ive had my license for over a year. The car is ONLY under my name and i will be the only one driving it. Ive gotten quotes but they have been as high as $1000 for 6 mths of full coverage. Any advice on something cheaper or how to save money.


Ticket for no insurance?
Last year around September I made the grave mistake of letting a friend borrow my car to see his girlfriend and he claimed to have just gotten his license and it was supposed to come in the mail within the next week. I believed him and it's my fault, no question about that. He got pulled over and the cops gave him a ticket for no proof of insurance. And because he didn't have a license, they impounded my car for 30 days, but if he had gotten his license within that time, I could've retrieved my car earlier, but he was not cooperating. To make a long story short, I paid 1,500 out of my pocket to release my car from the impound lot, and my car was insured at the time but he was too dumb to find it in my glove compartment and got a ticket for 2,000. He now wants proof of insurance to dismiss the ticket but I'm not giving him it until I'm reimbursed for the impound fees. Is there any way he can get out of the no insurance ticket without proof of insurance? I live in California btw. Thanks!"


Why does Health Insurance have so many deductibles?
I am not complaining because I have really great insurance, just wondering why there is a deductible for everything? I mean you pay for the insurance every month, plus I have a deductible for dr visits, one for prescriptions, one for dental etc. So just wondering why so many? My dr deductibles are $300 a person, but my prescription deductible is $150 which I will probably never meet cause I am on no meds and rarely go to the dr for a sick visit. So why so expensive? Thanks in advance!