How many Americans are paying out 40% or more of their monthly bills on liability insurance? I have only had one wreck in my life, otherwise a clean driving record. Insurance only paid $2800 total. I pay $350 for liability in Alabama.

Amanda, $875 ($350/.4) a month in salary (before or after taxes) (or $875x12/52 = $201.92/week) is not a lot of money anywhere, so that is why your percent of monthly bills is high. Now, having said that, we do NOT know: 1) what car you drive; 2) what your limits of liability are; 3 how old you are; 4) where in Alabama that you live (it does change your rates) 5) are you the only one on the policy? (because if it is a family policy, and your car is $350/month, another driver with an even worse record could be assigned as the driver of YOUR car) AND we are assuming: 1) you are a female; and 2) that you are not insuring the Collision & Comprehensive to repair or replace your car.As to their ONLY having paid out $2,800, that probably wiped out at least a whole years profit on your policy. Let me know and we’ll whittle this down for you.

Is there a way to get my Blue Cross Blue Shield of Alabama insurance that I bought through the marketplace (BEG) to pay for bariatric surgery even though they say they don't cover it?

I don’t think so. I tried every way I could think of and they categorically denied it. Their policy is very explicit when it comes to weight loss surgery. That said, I remember reading that there’s a strong national push to make it illegal to discriminate against the obese that could take the choice out of their hands. Who knows when that will happen though. For me, I knew I didn’t have time to wait, so I mortgaged my house to afford it. It’s a shame people have to go that far just to get the health treatment they need. (And for those of you who are ignorant of the health situation, people who are severely obese have zero chance of losing the weight and keeping it off without surgery, because intolerance prevents them from losing it by storing fat we should be burning.) Good luck!

How much time and money does it take for a new startup (<50 employees) to fill out the paperwork to become a group for the purpose of negotiating for health insurance for their founders and employees?

I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a signNow health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the paperwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's paperwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.

What rules of thumb are there for figuring out how much life insurance to buy?

If you are not married, and have no dependents, then you don't need life insurance.If you are married and your spouse also works, one year's salary is enough insurance for them to cover funeral expenses, mourn, and move to a smaller home and sell the current house if needed.If you have dependents, and/or your spouse doesn't work, the situation becomes very dependent on your personal finances overall. Assuming you are a one-income household, with two pre-school aged children, you may want to consider a total life insurance value equal to enough money to cover:-Cost of paying off your mortgage immediately-Cost of fixed annuity to pay for annual expenses for your spouse, less housing cost-Children's educational expensesThat's the most common rule of thumb, but you should consider whether it is an outdated notion that your spouse will never be able to work or provide for themselves if you die.Also, whether you believe that parents should pay for a child's college education, or even whether a child needs to go to college (or a state school vs. private school) can impact that part of the equation.As you age, you will likely set aside 529 plans for your kids, pay down your mortgage, etc. In that case, you should adjust the total value of your insurance downward to save yourself on monthly premium costs. The very wealthy self-insure for the most part - you want to move in that direction as your personal wealth increases.Finally, don't mix investments with insurance. Insurance is for protection only. Therefore, buy term and invest the rest is the best advice. Whole insurance makes it difficult to remember how much you are spending on the insurance part, and how much you're investing.

Can UK drivers drive in Republic of Ireland without having to pay for any extra insurance/fill out any paperwork?

Can UK drivers drive in Republic of Ireland without having to pay for any extra insurance/fill out any paperwork?If you are a UK driver bringing your UK car here for a visit, chances are your UK insurance already covers you for everything you need (but check!) Your EU license is acceptable all over the EU (for now) which includes Ireland.It might be worth getting breakdown insurance, especially if you are coming here by boat. It’s less of a big deal if you already live in the North.If you are moving here to live, check with the Irish Revenue first about importing your car. If you don’t do it right you can be hit for a big chunk of tax.

How hard is it for insurance to cover prescriptions refilled out of state?

You asked: How hard is it for insurance to cover prescriptions refilled out of state? Allow me to introduce you to a similar concept: How difficult is it to get a prescription filled in another state, whether your Health Insurer will cover it or not?Answer: What if your prescription is for a restricted medication, e.g. such as those that are Schedule II, III, IV, or V under DEA regulations? The answer to that depends on at least two parties: the laws/regulations of the State where you want to obtain your Rx refill, and the policy of that particular pharmacy or pharmacy chain in that same state. From personal experience, DO NOT ASSUME that Scheduled medications will be refilled in any other state. Find out IN ADVANCE.

Will my pharmacist still fill a prescription if my insurance doesn't cover it but I opt to pay for it out of pocket instead?

Yes, with a caveat or two. He could fill it for cash provided it is not a refill of a controlled substance and is not too early to fill. Any other class of drugs that is a maintenance med or antibiotic would be fine if three reason for the insurance denial was too soon. If the prescription is for a drug that you've never taken before, then the pharmacist would probably fill it, unless it's for a schedule drug that is replacing another schedule drug that was recently filed. If the latter is the case, the pharmacist would probably call the doctor and get his reasoning for the new Rx. The doctor might be able to persuade your insurance company to set up an override for the denied claim in that situation.The reason I've said all this is that I've heard it all, and I've had many people all stiff like this while withholding critical information that would affect my decision on whether or not to fill the prescription.

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Q: How much time and money does it take for a new startup (<50 employees) to fill out the paperwork to become a group for the purpose of negotiating for health insurance for their founders and employees?

I'm not sure if this is a purely exploratory question or if you're inferring that you're planning on navigating the group health insurance market without the assistance of a broker. If the latter, I'd caution against it for several reasons (which I'll omit for now for the sake of brevity).To get a group quote, generally all that's needed is an employee census. Some states apply a modifier to the rate depending on the overall health of the group members (for a very accurate quote, employees may need to fill out general health statements).Obtaining rates themselves can take a few minutes (for states like CA which don't have a signNow health modifier) to several days.I suspect your cor question is the time/effort required once you've determined the most appropriate plan design for your company. This is variable depending on how cohesive your employee base is.Best case scenario - if all employees are in one location and available at the same time, I could bring an enrollment team and get all the paperwork done in the course of 1-3 hours depending on the size of your group. In the vast majority of cases, the employer's paperwork is typically around 6 pages of information, and the employee applications about 4-8 pages. Individually none of them take more than several minutes to complete.Feel free to contact me directly if you have specific questions or concerns.

Q: What rules of thumb are there for figuring out how much life insurance to buy?

If you are not married, and have no dependents, then you don't need life insurance.If you are married and your spouse also works, one year's salary is enough insurance for them to cover funeral expenses, mourn, and move to a smaller home and sell the current house if needed.If you have dependents, and/or your spouse doesn't work, the situation becomes very dependent on your personal finances overall. Assuming you are a one-income household, with two pre-school aged children, you may want to consider a total life insurance value equal to enough money to cover:-Cost of paying off your mortgage immediately-Cost of fixed annuity to pay for annual expenses for your spouse, less housing cost-Children's educational expensesThat's the most common rule of thumb, but you should consider whether it is an outdated notion that your spouse will never be able to work or provide for themselves if you die.Also, whether you believe that parents should pay for a child's college education, or even whether a child needs to go to college (or a state school vs. private school) can impact that part of the equation.As you age, you will likely set aside 529 plans for your kids, pay down your mortgage, etc. In that case, you should adjust the total value of your insurance downward to save yourself on monthly premium costs. The very wealthy self-insure for the most part - you want to move in that direction as your personal wealth increases.Finally, don't mix investments with insurance. Insurance is for protection only. Therefore, buy term and invest the rest is the best advice. Whole insurance makes it difficult to remember how much you are spending on the insurance part, and how much you're investing.

Q: Can UK drivers drive in Republic of Ireland without having to pay for any extra insurance/fill out any paperwork?

Can UK drivers drive in Republic of Ireland without having to pay for any extra insurance/fill out any paperwork?If you are a UK driver bringing your UK car here for a visit, chances are your UK insurance already covers you for everything you need (but check!) Your EU license is acceptable all over the EU (for now) which includes Ireland.It might be worth getting breakdown insurance, especially if you are coming here by boat. It’s less of a big deal if you already live in the North.If you are moving here to live, check with the Irish Revenue first about importing your car. If you don’t do it right you can be hit for a big chunk of tax.

Q: How hard is it for insurance to cover prescriptions refilled out of state?

You asked: How hard is it for insurance to cover prescriptions refilled out of state? Allow me to introduce you to a similar concept: How difficult is it to get a prescription filled in another state, whether your Health Insurer will cover it or not?Answer: What if your prescription is for a restricted medication, e.g. such as those that are Schedule II, III, IV, or V under DEA regulations? The answer to that depends on at least two parties: the laws/regulations of the State where you want to obtain your Rx refill, and the policy of that particular pharmacy or pharmacy chain in that same state. From personal experience, DO NOT ASSUME that Scheduled medications will be refilled in any other state. Find out IN ADVANCE.

Q: Will my pharmacist still fill a prescription if my insurance doesn't cover it but I opt to pay for it out of pocket instead?

Yes, with a caveat or two. He could fill it for cash provided it is not a refill of a controlled substance and is not too early to fill. Any other class of drugs that is a maintenance med or antibiotic would be fine if three reason for the insurance denial was too soon. If the prescription is for a drug that you've never taken before, then the pharmacist would probably fill it, unless it's for a schedule drug that is replacing another schedule drug that was recently filed. If the latter is the case, the pharmacist would probably call the doctor and get his reasoning for the new Rx. The doctor might be able to persuade your insurance company to set up an override for the denied claim in that situation.The reason I've said all this is that I've heard it all, and I've had many people all stiff like this while withholding critical information that would affect my decision on whether or not to fill the prescription.

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I pledge allegiance to the flagof the United States of Americaand to the republic for which itstands, one nation under godindivisible, with liberty andjustice for all.Today's invocation will beoffered by the reverend peter Gyoung.Father young.>> Thank you.Today on Cinco Demayo we knowthere are many celebrationsworld favor?Us and we see the senators herehard at work, for the New Yorkstate citizens.We bless them and theirdiligence and for their veryimportant dedication to handlethe opportunities and obstaclesthat come with being a citizenand being in the legislature.And we pray these challenge willbe then successfully helpingothers in the need and thosethat are sick and suffering.We ask this in your name now andforever amen.>> Reading of the journal.>> In senate, Friday, may 2 thesenate met pursuant toadjournment.Thedown of Thursday, may 1 wasread and approved.On motion senate adjourned.>> Journal stands approved asread.Pres

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