NLIC.org

Richard Said:

Does getting a motorcycle license increase life insurance costs?

We Answered:

No, it does not. But, smoking does.

Andy Said:

In BC how much difference in insurance costs is it based on the cost of the?

We Answered:

You would be better off contacting an Autoplan agent and asking them to tell you how much it would cost to insure the new vehicle. Keep in mind the year, make and model are more important in determining the premium than the cost of the vehicle. Keep in mind if the vehicle you're purchasing has been modified then this must be declared when registering the vehicle (a 1995 Honda Civic should not cost $10,000 unless it's been modified/customized).

Bobby Said:

Why is the emphasis on lowering health insurance costs instead of lowering the price of health care?

We Answered:

Do not confuse this issue.

The emphasis is not on reducing health insurance cost. It is on maximizing insurance company Profits.
It has nothing to do with providing service, taking care of the clients or any other of the noble causes of health care.

It is simple. More money for the company and less for the health care community and you the customer.

The insurance companies pay about 35% of the charges the uninsured do. It has nothing to do with providing care it is what they are willing to pay and the hospitals take it.

Then in order to make up for those shortfalls from insurance and medicare the uninsured pay exorbitant charges and end up subsidizing the insurance companies.

If they were concerned in lowering the real cost of health care they would pay for preventive care. 10 years of diabetic treatment costs about $250,000 but a nutritional program which can prevent it costs about $5000 over that same period.
That cuts out, pharmaceuticals, insurance, blood glucose machines and the specialists.

As always the corporations have us convinced that this should be free market. There is nothing free about this market and the theory does not fit the system.

The future of health care for the greatest number will be social medicine like England and Canada. You will not get that from the conservative media. They have too many profits at stake to allow that to happen.

We have very good health coverage. My son went to a family clinic for what could have been considered an urgent issue.
This was not covered. Yet, had he gone to an urgent care center or ER it would have been covered ( if after the denial I could prove it was "urgent"). They refuse a claim of $86.00 but would pay a claim which would have been $1200.00.
Remember that $1200 would only be paid at $400 by the insurance company.
They are not interested in saving money this way. They are more interested in taking the premium, denying the claim, making you fight it and paying only when they are proven responsible within the terms of your policy that they must.
About 20% give up and pay it themselves.
This is how private insurance maximise profit.

If you buy the story that they are interested in helping the policyholders you are naive.

The hospitals cannot maintain thier non profit staus if they turn away the indigent. The insurance companies pay at a reduced rate. it is up to the general public to make up the difference.

By now one would think that the public would get wise to the fact that the banking and insurance industries are NOT in this for our benefit. The McCain free marrket plan WILL NOT work. These groups are in it to take and keep our money.
This is not a free market in any sense of the word.

We posses the greatest capability for care in the world which is focused on the smallest number. It is because of corporate greed.

Wendy Said:

Would health insurance costs be lower if it was really for Emergency use and not checkups?

We Answered:

Actually, healthcare cost a lot because companies HAVE to pay for people who do not have insurance, at the Emergency Room. (I have two EM docs in my family) Emergency docs get paid about twice what family practice docs do, and the overhead at an ER in the hospital is much more than a private practice. Our insurance could be much less if we'd just give everybody the freedom to have yearly checkups at their family practice doc instead of waiting until things get out of hand and expensive and they show up at the ER with a tumor or go there for a cold.

Beth Said:

How long does Pass Plus affect insurance costs for?

We Answered:

Pass Plus, is designed to help reduce insurance costs for NEW drivers. Once you have a year or so experience without claim, your 'no-claims bonus' will have accrued.

Claude Said:

Can I reimburse myself health insurance costs from my company?

We Answered:

No.
The insurance through your husband's employer does not meet the test of having been established through the S-corp.

Linda Said:

If me not having insurance costs u money, how does others dropping out of school not cost us all money?

We Answered:

You are correct that having kids drop out of school is bad for the economy, and that is why education until a certain age has been compulsory in the United States since before Lincoln was President.

If you want to discuss raising the age for compulsory education you might have a point.