We're Investigating Mental Health Care Access. Share Your Insights.
ProPublica’s reporters want to talk to #MentalHealth providers, health #insurance insiders and #patients as we examine the U.S. mental health care system.
Quotes based on addresses seem to produce differential insurance quotes mapping onto ethnic character of areas.... of course eat ensures deny explicit racial profiling, but this is exactly how structural racism works, its not necessarily explicitly articulated to have an effect.
Coverage prices could rise due to the impacts of #ClimateChange fueled disasters.
As water levels and average temperatures rise, so do concerns over #InsuranceCoverage for Greater Victoria #homeowners amid a larger problem in #BritishColumbia – climate change-fuelled disasters.
Insurers’ #LNG Support at Odds With Their Climate Ambition, Report Says
"The report highlights an irony in the #insurance industry: While some underwriters are pulling back from traditional coverage areas as #ClimateChange exacerbates wildfires, storms and flooding, they are also continuing to support new fossil-fuel projects expected to operate for decades."
" Environmentalist movement Extinction Rebellion is leading a week-long campaign in the UK targeting the global #insurance industry.
Without insurance cover, drilling for oil and gas would struggle to continue.
“However, what’s really worrying is that they are also insuring new projects that are referred to as #CarbonBombs like the East Africa Crude Oil Pipeline,” says Tooze."
Renewing our home #insurance and we’ve noted an important policy tweak.
#Flooding. Not from without, but from within (burst tank/pipe).
Either excluded fully from policy or subject to a substantial extra excess. Across multiple policies from multiple underwriters. We’re not in a flood risk property and have never claimed for internal flooding.
For >100 yrs, since Donald Trump’s grandfather started buying land in NYC, the #Trump family has run a real estate business in NY.
Barring a successful #legal appeal of Fri’s decision by a NY Supreme Court judge, that could change.
After finding that #TrumpOrganization executives had engaged in years of #fraud by inflating their #property values to get better #insurance & #tax rates, #Engoron ordered that the company operate under the close eye of 2 overseers, a monitor & an independent director of compliance, to ensure #compliance w/ #financial reporting obligations.
In other words, #Trump can remain the owner, but he has lost control.
"President Joe Biden’s battle against high drug prices is mostly embodied in the IRA, as the law is known — a grab bag of measures intended to give Medicare patients immediate relief and, in the long term, to impose government controls on what pharmaceutical companies charge for their products. The law represents the most significant overhaul for the U.S. drug marketplace in decades."
#Insurance plays a critical role in protecting vulnerable communities from natural hazards and extreme #weather events, yet globally, many losses remain uninsured. In this latest #JCRR article, the authors how science and practice can deliver effective risk transfer as a vehicle for #climate adaptation.
Insurance firms lure bank employees with iPhones, foreign jaunts, kickbacks to push sales
Driven by illegal incentives, bank executives compel their staff to sell insurance anyhow, with customers paying the price in the form of unwanted policies.
Re: #health#insurance disputes, if the policy is employer-sponsored, it's regulated at the federal level. For help, visit the US Department of Labor's Employee Benefits Security Administration (EBSA): https://www.askebsa.dol.gov/WebIntake/.
Again, a real person is available to help you understand the charges, how to dispute them, and your rights under the law.
CONTACT THESE ADVOCATES BEFORE YOU PAY ANY BILL YOU DISPUTE. Insurance is intentionally complicated in order to take more of your money.
I've been fighting a #health#insurance claim for the past year — a bill for $2k+ charged more than 2 years after the service — and want to share several helpful resources.
DORA regulates insurance in-state agents, non-employer-sponsored policies (like from the exchange) and such. A real person will help you on the phone or online.
The #insurance armageddon is coming slowly, but surely. I shop for new insurance (auto, home, umbrella, etc.) once every few years to make sure I’m still getting decent deals. But this year, my insurance agent told me that I should be glad that I have insurance at all, because companies have stopped writing new policies in certain states, or at least limiting how many new ones they write per year.
#Califorinia, #Florida, and #Texas are now personas non grata for insurance companies, my agent said. Why is that, I wonder? Could it be because these states are the most likely to sustain major damage due to #climateChange? Wildfires, extreme weather, coastal floods, and hurricanes have changed their risk profiles, and insurance companies are paying attention.
Climate change is here, folks. Actuarial tables do not lie.
The revenue that cars bring in must be quite high for the government and yet car insurance is extortionate. I can't get it any cheaper than £400 for my other halves car. Last year it was £190!
Perhaps we shouldn't be driving cars, if so where do the government get the extra revenue from if we all give up our cars?
UnitedHealth, the largest healthcare insurer in the US, "closed 2023 with a medical loss ratio of 85% in the fourth quarter, which was its highest ratio since the pandemic began in early 2020."
A medical loss ratio of 85% means that for every $1 of healthcare premiums collected, 85 cents is spent on medical claims and the remaining 15 cents covers overhead and profit.
UnitedHealth says medical claims rose in part due to increased COVID-19 activity:
COVID-19 hospital admissions up 50% to 60%
COVID-19 cases, emergency room visits and hospitalizations rose due to infectious variant known as JN.1
COVID-19 admissions for inpatient stays were more expensive than usual, likely because of more intense cases requiring hospitalization
The medical claims don't lie. The pandemic is not over. COVID is not milder. For the most part, we no longer track and report cases, but the data shows up in insurers' medical loss ratios.
#ClimateDiary just came across a post about #Floods in #SanDiego - very local but very bad for those affected, especially those without #insurance. And it’s a marginalised neighbourhood . This is a key feature of #ClimateCrisis: disadvantaged hit more due to more vulnerable locations, often less insured, and often more or less abandoned by state, having to help themselves somehow
Looking for advice on how to successfully appeal denial of homeowner's insurance claim. Ceiling collapse should be covered, right? (Truly is not me, but we can pretend it is.) #HomeInsurance#Insurance
The uninsurable world: what climate change is costing homeowners
"Rising premiums are a de facto ‘carbon price’ on consumers as extreme weather events become more frequent."
On the growth of taxpayer-backed insurance, the risks to bank credit, and growing friction between #insurance companies wanting to make a profit and governments wanting to protect homeowners from spiraling insurance costs.