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A week ago today I was in Phoenix. I had been there for a few days, and I had been planning to spend a month with my girlfriend away from the cold New Jersey weather. It wasn’t a vacation. We each needed to continue working, but figured we might as well do so where the weather was nice.

Early in the morning, I got a frantic call from my apartment complex’s superintendent. “Where are you?”

Groggily, I stated I was out of town and asked what was going on. “We have a major problem.” The sprinkler line in my apartment building froze and burst, dumping cold water, ceiling debris, and insulation into my kitchen. The unit below me was in worse condition, and their basement’s ceiling collapsed.

I ensured the super was aware that I recognized the seriousness, and with some trouble (a different story), I got on a flight back to New Jersey that got me to the apartment later that night. After hanging up with the super, I did two things.

First, I called my insurance company to let them know about the situation. Second, because I knew I probably wouldn’t be able to see the apartment myself until late in the evening, I asked a friend to stop by and assess the damage, taking some photographs. Thankfully, he was available and able to help out.

The insurance company requested that the apartment maintenance staff not remove anything, and I relayed that message to the super, but I didn’t expect them to comply as safety was their primary concern.

By the time I landed and a car dropped me off at my apartment, it was twelve hours after the initial call. The damage in the kitchen was very bad. The carpets throughout my unit were soaked. All in all, however, much of my personal property was fine. The neighbors downstairs were not as lucky.

The landlord determined the best way to deal with the mess would be for me to move all of my belongings out of my apartment so they could begin the repairs immediately. I asked for and received recommendations for moving companies and by the end of the week had a storage facility located, a moving company booked, and the insurance company agreeing to pick up the bills.

The pack-out and move-out lasted several hours yesterday as the temperature plummeted from thirty degrees to zero. But now I’m still waiting for communication with the landlord to determine when the work will start, how long it will take, and how they intend on discounting my rent for the period of time during which my apartment building is uninhabitable.

The damage to my items is generally isolated in the kitchen and the dining room, and my dining room is relatively empty because I converted it to a photography studio.

Liberty Mutual, the insurance company that covers my automobile insurance, renter’s insurance, and umbrella insurance, offered me two options. I could receive a check to cover the depreciated value of my damaged items, with a later reimbursement once I replace those items, or I could use Liberty Mutual’s service for replacing those items, where a company that partners with the insurer seeks out replacements for each of the items and sends it directly to any location I want, thereby avoiding issuing a check to me.

I chose option number one, as my current living situation might not require immediate replacement of everything and I plan spending time away from my apartment.

The insurance company also offered to pay for a hotel, but one of my friends offered up some space in his home. Liberty Mutual will also pay for living expenses, like food, that are above and beyond what I would be spending normally, while I’m out of my apartment.

Communication with Liberty Mutual has been a little difficult, but part of the problem is that the similar problems have occurred in homes across the Northeast region of the United States, and insurance companies are busy dealing with a large number of claims. In my apartment complex alone, a day or two after my incident, there was another burst pipe that flooded a different building. There is obviously insufficient protection during cold weather.

My landlord also hasn’t been very communicative. The super has been nice, but all I know about the repairs is that they expect it to take a week. I think the repairs, including fixing any water damage, replacing the carpets and wood floors, ceilings, walls, and kitchen appliances might need more like a month.

Renter’s insurance is inexpensive, but I’m thankful to have it. I would really love for this incident to be over so I can get back to Phoenix — and get back to life, to work, and to warm weather. After last year’s winter in New Jersey, my plan was to avoid as much of it as possible. And on one of the coldest days, I was brought back, and I’ve been too busy taking care of the emergency to be able to write some articles for Consumerism Commentary.

I can’t complain too much. As I’ve mentioned, with friends, insurance, money available for emergencies, and perhaps some luck, this incident hasn’t been nearly as bad as it could have been. I do feel bad for my neighbors who experienced much more damage and disruption in their lives.

One observation this event has allowed me to make pertains to my accumulation of stuff. Over the past decade, I’ve lived in just two apartments. Prior to that, in the six years after graduating college with a bachelor’s degree, I lived in at least seven different places. While moving around, there was never a big opportunity to settle in and accumulate stuff. That has changed over the past decade.

There’s a lot of items I could get rid of, things I don’t necessarily need in order to live a happy life. But I don’t subscribe completely to the idea of minimalism. Just because all I need to live are a few items, that doesn’t mean that I should limit my life to the bare necessities.

Keep in mind that my living needs are different than many readers. I am an unmarried individual without children. I have no family to support. Thankfully, no one is affected by the flooding in my apartment other than me (and my neighbor downstairs). If my family were displaced by an event like this, the situation would be very different.

With good insurance coverage and a landlord that doesn’t try to weasel out of responsibilities (at least so far), I can be confident that I can return to a great place to live.


This is a guest article by Sara Stanich, a Certified Financial Planner (CFP®) practitioner and Certified Divorce Financial Analyst (CDFA™) based in New York City. Sara is one of four financial experts participating in Consumerism Commentary’s Naked With Cash series. She blogs about financial planning topics at Cultivating Wealth.

In this article, Sara addresses high deductible health plans (HDHPs). I have always had HMO or PPO health insurance, so this article covers new territory for me.

Do you have a new health insurance plan this year? Is it a high deductible plan with a health savings account?

If so, you are not alone. The HDHP market has been growing. According to the National Center for Health Statistics, 30.3% of group health care plan participants were enrolled in a high-deductible plan during the first quarter of 2013, up from 17.1% in 2008.

But not everyone understands how these plans work. So, let’s review the basics.

A high deductible health plan is a health insurance plan with lower premiums and a higher deductible than traditional plans. This means that while your monthly cost for the insurance (the premium) may be lower than with a traditional plan, you will probably spend more out of pocket (your deductible) before your insurance starts to partially cover the cost. Preventive care such as physicals and immunizations may be 100% covered.

At some point (the out of pocket limit), your insurance will cover 100% of your cost. You must check your own policy for the exact amounts that apply for your or your family.

A Health Savings Account (HSA) is a tax-advantaged account that’s paired with a high-deductible health plan (HDHP). This allows you to set aside money for healthcare expenses that are not covered by your plan. This is good news, because contributions are made with pre-tax dollars, so spending on health care may be done with pre-tax dollars, and contributions reduce your taxable income, which may in turn reduce your taxes. (The contribution limit for 2014 is $3,300 for individual and $6,550 for family coverage).

What I think is more interesting than the basic rules, is how this structure may be affecting our decisions surrounding healthcare. The high deductible puts more financial responsibility on the consumer. What is the result?

My story

Recently, I had some pretty bad neck pain. This happens to me from time to time and is probably related to stress or lifting something heavy (like a squirmy kid). After trying ice, a heating pad, and lots of ibuprofen, I decided to break down and call a chiropractor. Actually, I called two.

So I called a chiropractor I had been to before to make an appointment. I know I have a High Deductible Health Plan, and I was pretty sure I would need to pay 100% of the cost out of pocket.

So I asked, “How much will it cost?”

They said I should give them my insurance information, and that they would call the insurance company and let me know. Well, OK.

She called back. I was right; the insurance company will not pay any of the cost.

  • My quote for a consultation and a chiropractic adjustment: $848.00.
  • As a former patient, they could offer me a 50% courtesy discount, so $424.00.

Although I actually have the money in my HSA, this number gave me pause. Maybe my neck wasn’t so bad after all?

I thanked her for looking into it, but said I would try something else. On the way home, I got a 15 minute massage from one of those storefront places for $20, and my neck did feel better.

Fast forward one week. Between long car rides over the holidays and crouching over a laptop on the couch, my neck is worse and the pain is radiating to my shoulder.

I decided to call another chiropractor from my “past.”

They said, “Come on over!”

I said, “Can you tell me roughly what this will cost? I know my insurance has a high deductible and I will be paying out of pocket.”

The answer was evasive as always. “We have a sliding scale. Just come in and we’ll figure it out with the insurance company.”

I didn’t like that answer, but frankly I was so sick of this pain I was ready to just hand over my wallet. So I went, and my back made lots of loud popping noises from many angles. Aaahhhhh… much better.

The price? $75.

I was certainly happy with that number, but what the heck? I had been quoted over ten times as much for essentially the same service. In the same city. On the same street!

I also wondered if they gave me a bargain price because “poor me” had cheapo health insurance. (I can pay; I just don’t want to overpay.) I wasn’t about to argue, and I feel $75 is probably a pretty fair price for 20 minutes of someone’s time.

Lessons learned. Use these tips if you have a new health plan!

  • Understand how your health insurance works. If I hadn’t known and the first chiropractor hadn’t provided an estimate, I could have been presented with a surprise bill of $824.00.
  • Ask questions. Judging by the surprised reaction to my questions, not many of us ask how much it will cost. That makes sense; if I had a $20 copay for everything, would I have even asked about the cost?
  • Shop around. Prices may vary considerably. If you can (and it isn’t a medical emergency), check with two or three options. I went from $848 to $75 for similar service. You may be surprised at what you find.

I am curious about how the expansion of these plans will change the industry. Will pricing become more transparent and competitive? In the meantime, it pays to shop around!

The information contained in this report does not purport to be a complete description of the securities, markets, or developments referred to in this material. The information has been obtained from sources considered to be reliable, but we do not guarantee that the foregoing material is accurate or complete. Any opinions are those of Sara Stanich and not necessarily those of RJFS or Raymond James. You should discuss any tax matters with the appropriate professional.

Photo: Flickr/planetc1


In just a few days, one of the major provisions of the Affordable Care Act will go into effect. The health insurance marketplace will open. The public discussion about this marketplace and about Obamacare overall is full of partisan politics, so it’s difficult to see beyond the rhetoric and get an idea of what this new marketplace really means.

The health insurance marketplace is a way for American citizens, who may not be able to get or afford health insurance through the traditional channels, to select a plan for health coverage. Those traditional channels include insurance through an employer, which is usually subsidized by that employer, or directly from an insurance company, such as through individual health insurance.

The law calls for states to set up their own insurance marketplaces, but the federal government is providing a marketplace for residents in states whose governments choose not to organize their own marketplace. The state in which I live, New Jersey, is one of these states in which citizens will use the federal marketplace.

If you have health insurance through your work, the marketplaces (or exchanges) won’t affect you, but other portions of the Affordable Care Act might as I’ll explain. Getting subsidized health insurance through an employer is still going to be the best option for the majority of middle-class or above, full-time employees.

I don’t have health insurance from an employer. I have coverage through COBRA, and I would qualify for continuing that coverage through January 2014, but I may not want to, now that I have more options. With COBRA, I have the same plan I had while I was an employee, but my premiums are no longer subsidized by my employer. In fact, I’m sure my premium includes a fee that gives the third-party COBRA administration company a reason to exist when this layer may not provide any additional benefit to anyone.

Until October 1, my only option than COBRA would be to buy individual insurance directly from an insurance company. After October 1, I can begin shopping on the federal health insurance marketplace, to choose a plan with the coverage that I want, and the monthly premium may be a better deal. The prices and plan details won’t be publicly available until October 1. If there’s a more affordable option than COBRA that meets my coverage needs, I’ll take it.

Why employees may have to select a new plan

Aside from the new marketplaces, the Affordable Care Act requires that all health insurance plans comply with new rules for coverage. The way some insurance companies seem to be handling the requirement is by informing policyholders they must choose a new health care plan for next year. You may have received a letter from your insurance company informing of the need to select a new plan, particularly if you have health insurance through your employer. If you haven’t received this notification, chances are good you know someone who has.

The new plans offered for next year will include at the least the baseline provisions called for by the Affordable Care Act. Policyholders with plans who do not meet that standard will need to select or confirm new coverage for 2014. Some of those baseline provisions include:

  • Outpatient and emergency services
  • Hospitalization
  • Maternity and newborn care
  • Mental health disorders
  • Preventative care without co-payment
  • Screenings and immunizations for children

Qualifying for discounts

Many people in the United States will qualify for a discount if they choose a health insurance plan through the marketplace. With household income below a certain level, some Americans will qualify for lower monthly premiums, lower copayments, lower coinsurance, and lower deductibles. This income limit for discounted premiums starts at $28,725 for an individual and increases to $99,075 for a family of eight.

Plan categories: bronze, silver, gold, and platinum

The new plans will be categorized as bronze, silver, gold, and platinum. Each level indicates a different balance between premium costs — the monthly fee for coverage — and out-of-pocket costs. In general, if you expect to visit the doctor less, you can choose a plan with lower premiums and higher out-of-pocket costs, but your future medical needs can be difficult to predict sometimes. The marketplace also includes “catastrophic” plans, which have very low premiums. These are often the same decisions employees have made for years when choosing health insurance plans; these new categories can help organize and compare the options.

Medicaid and CHIP

Medicaid is still an available option for health insurance, as is the Children’s Health Insurance Program (CHIP). If you can’t afford coverage from the health insurance marketplace, you or your family may qualify for Medicaid, or your children might qualify for CHIP. If you can afford health insurance but choose not to be covered, a new line on income tax forms will calculate a fee that starts at 1 percent of income, and that fee will be added to the tax you owe, but those who cannot afford health insurance will not be charged this fee, up to $695. That’s less than the cost of health insurance, but opting for health insurance if you can afford it is always a better choice.

In many states, Medicaid is expanding, so more people will be covered under this provision, and for those who do, it will cost less money than buying an insurance plan from the exchanges.

Estimated costs

The Kaiser Family Foundation offers a calculator that helps you determine how much you might pay for a Silver health insurance plan from the exchange in your state (or the federal exchange). According to the calculator here, my premium will be $3,668, or $306 a month. That’s less than half of what I pay for COBRA for good coverage, and about half of what I used to pay for a bare-boned health insurance plan I selected directly from an insurance company as individual insurance.

If you don’t have a health insurance plan through your employer and believe you might be interested in buying health insurance from the exchange, take a look at the calculator and estimate your monthly premium. If you do have health insurance through your employer, you probably won’t need to look at health insurance through the exchange.

Signing up for new health insurance

If you are an employee, you might have some new choices during your open enrollment period this year as insurance companies reformulate their plans to comply with the new law. But for those without with employer-subsidized health insurance options, the marketplaces will open online on October 1. (Owners of small businesses who are shopping for health insurance for their companies can start shopping offline on October 1 but the online shopping won’t be enabled until November 1.) This will give shoppers almost three months to select a plan before they go into effect on January 1, 2014, though open enrollment will continue for three months into 2014.

States have not been very forthcoming with information for their citizens about how to enroll in these health insurance plans. In some cases, it seems like government agencies at the state level are deliberately confusing residents in an effort to make this process more difficult. The process is really easy, though, particularly for those with access to the Internet.

  • Visit HealthCare.gov, the federal government’s health care website.
  • Answer a few questions about your residence and status.
  • The website will tell you where to browse to next to see your health insurance options. For example, since New Jersey doesn’t have a state marketplace, I shop right on HealthCare.gov.

The chance of Obamacare failing

The Republicans in Congress are looking to block the provisions of the Affordable Care Act, and seem to be willing to shut down the government in order to make their case. These tactics historically don’t work. Obamacare will go into effect. This is the plan that insurance companies wanted. Unlike a single-payer health care system, the system created by the Affordable Care Act keeps the insurance companies in business and not only keeps industry jobs in place but presents an opportunity for more jobs in insurance as well as health care.

One threat to Obamacare is defunding. The political tactic involved comes from the desire to see ideas put forth by the other party fail, and one way to do that is to put a system into effect while removing the government funding that is necessary for the system to succeed. The result is that one side gets to say, “I told you so,” even if the failure is due to defunding and not due to a systemic problem.

Regardless, with a group as powerful as health insurance companies behind Obamacare, defunding probably isn’t a major concern in the long run, and the health insurance marketplaces will likely live on in some form in perpetuity. Defunding will have an effect on lower-income families that qualify for and rely on the discounted insurance plans.

What are your expectations for the new health insurance marketplaces?


When people find out I’ve been writing a blog about personal finance for ten years — yes, it seems crazy, but the tenth anniversary of Consumerism Commentary is Tuesday — they recognize it is an opportunity to share their financial troubles and triumphs. I’m a good listener. For the most part, I am happy to hear what others have to say but will only reluctantly share my opinion about the choices they’ve made. I usually don’t.

And there was one common thread through the recession. People bought annuities. The sales pitch from their brokers probably went like this. “Listen. We’ve lost money, like the rest of the market. But if we move a portion of your assets into variable annuities, you’ll have protection. With this type of investment, you will earn a minimum of 6 percent on your money each year, and when the stock market performs better, you can earn more. And you’ll have a steady stream of income, a good idea with a volatile market.”

It’s hard not to hide the happiness that comes from earning a very good return on your investments when the media continues to talk about trouble in the stock market. The recession continued, and those who bought into variable annuities may have received statements showing a 6 to 8 percent annual return. Not bad at all, and those seeking my approval should be happy to know that I’m all in favor of good returns.

Annuity purchasers are starting to see exactly what it took to provide returns better than the overall market. Although this was always a risk, the broker might have swept it under the rug: the insurance companies offering variable annuities are now taking advantage of the fine print that allows them to change the rules.

Prudential made the news last year when they controlled benefit payouts for their annuities by refusing new contributions. If the annuity was purchased under the assumption that the investor could continue to contribute over time and benefit from increased payouts based on the balance, the annuitant would be dismayed to discover the insurance company could refuse their contributions.

Now, according to the New York Times, insurance companies are trying to convince their customers to get out of annuity products with guaranteed returns. Customers are receiving letters warning annuitants that their benefits will be greatly reduced if they take no action. They might have options, such as moving into an insurance product with a lower benefit or accepting a lump-sum payment reflecting the annuity’s remaining cash value. Both are options that help the insurance company get out of a contract they couldn’t live up to.

None of this should come as a surprise. It was part of the insurance companies’ plans all along: offer products with benefits too good to be true over the long-term with the knowledge that the fine print allows the company to change the rules when the company no longer needs or can no longer afford to sell annuities to a frightened public.

Here is how one insurer is handling its unaffordable policies, although the New York Times still seems to think this situation was unexpected by the insurer:

The Hartford, which is getting out of the annuity business, has gone further: it has sent letters to clients and advisers saying that they have until October to change the asset allocation in certain variable annuities. The goal is to lower the client’s balance and therefore the amount the company will have to pay out. If they do not do this, they will lose the rider that guaranteed a payment regardless of the cash value of the annuity. Instead of getting a 5 percent guaranteed payout for life, the owner would get a lower payout based on a lower account value.

This is representative of a larger reality in life. Very few contracts you sign are ever equitable. One party almost always has more power than the other. In this case, the insurance companies can make changes to the deal, and the annuitants have no choice but to accept the changes. In fact, many annuity plans prevent customers from cashing out their plans without hefty fees, even if the insurance company forces these changes on the customers.

Guaranteed income can be an important strategy for financial planning. Unfortunately, with annuities, the word “guaranteed” does not always mean what people think outside of the financial industry.

Did you buy an annuity before or at the beginning of the recession? Are you facing any restrictions on contributions or changes to the plan? Would you consider purchasing an annuity with a guaranteed return?

Photo: Flickr
New York Times


Now Covered By Umbrella Insurance

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There is nothing that can derail your financial success or path to independence as fast as being held liable for some kind of catastrophic loss without the appropriate level of insurance coverage. Automobile and homeowners insurance (or renter’s insurance) cover only up to a certain amount of your liability if you or your property is ... Continue reading this article…

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Credit Life Insurance: You Don’t Need It

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Aftermath of Sandy: Check Your Insurance Coverage Before the Storm

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Mutual Vs. Public Insurance Companies

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Universal Life Insurance

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Life After Salary: Individual Health Insurance

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New Pre-Existing Condition Insurance Plan

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