For questions about health insurance policies, including relevant terminology, types of policies, how to evaluate a health insurance policy, etc. Questions should be tagged with a country-specific tag in most cases, e.g. "united-states" or "canada".

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2
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0answers
45 views

Time limit for health-insurance to pay doctor bill and send EOB

I'm in the middle of another dispute between an in-network doctor's billing office and my health insurance company (HIC). My health insurance has not yet paid the bill due to a dispute with over some ...
2
votes
2answers
66 views

Having two different employer healthcare plans

I currently have two healthcare plans, one is United Health Care and one is Anthem Blue Cross. I'm able to get my health insurance in full from my old job which is why still have it(ABC). Anthem Blue ...
4
votes
1answer
79 views

Am I on the hook for medical bills by people that are on my health insurance?

I provide insurance for my ex-wife. Let's says the insurance pays 80% of the cost and they bill her for the rest. Am I liable for the remaining 20% if she doesn't pay? P.S. This is not a ...
1
vote
1answer
51 views

How to start disability insurance when already disabled?

I'm not entirely certain this is the right place for this question, but I can't think of anywhere better either, so here it goes. I am currently suffering from moderate-severe depression and anxiety, ...
1
vote
2answers
58 views

Flexible Spending Account & Job Change

I worked full-time for Company A from 01-01-14 to 03-14-14. I still work for Company A as an hourly, unbenefitted employee. I started full-time with Company B on 03-24-14. The insurance coverage for ...
4
votes
2answers
71 views

How is my employer affected if I have expensive claims on my group health insurance?

Suppose, for the sake of discussion, that I work at ACME, Corp, a USA company. As part of my compensation, ACME makes me a member of their group health insurance through Aetna, a USA health insurance ...
3
votes
3answers
203 views

I'm getting gouged on prices for medical services when using my HSA plan. How to be billed fairly?

I had never given a second thought to the details of the bills that my health insurance (HI) company used to send me until I moved to a HSA plan. My typical (before the HSA plan) bill claim would be ...
2
votes
2answers
100 views

Continuing group health benefits from old employer after resigning

I will be resigning from my current employer next week and moving to another company: the new employer is a much smaller fabrication company and does not have as good health insurance. For example, ...
1
vote
1answer
48 views

Health care billing concerns

Over the past year I had my first experience with health care billing issues other than just paying my monthly bill. Something happened billing-wise recently that concerns me. I'd like to get feedback ...
0
votes
1answer
38 views

How to fill tax return for income received to paid the health insurance premiums that my spouse pays for me?

My health insurance is provided by the employer of my spouse, but my employer wanted to provide the benefit of insurance so he paid me the money that my spouse was paying, so if my spouse pays $40 for ...
4
votes
3answers
137 views

Health insurance allowed benefits: different for different plans from same insurer?

Let's say I have a choice between two plans, both offered by the same insurance company. Plan A is a high-premium, low-coinsurance, low-deductible plan. Conversely, Plan B is a low-premium, ...
1
vote
1answer
39 views

Taxable status of health insurance premiums for family under new health care law

My question is pretty much the same as this question, (and there are some older questions of the same nature) but well over a year has passed since it was answered, and with the new health care laws ...
4
votes
2answers
112 views

How to pay for Alzheimer's care?

My mom is on the early stage of Alzheimer's, but I'm aware of the fact that "early" won't be forever. What are some of my options for financing the cost of my mother's care when the time comes? I am ...
1
vote
0answers
39 views

Possible for me to purchase my own health insurance pre-tax? [duplicate]

From what I understand, if I get insurance from my work the amount I pay is pre-tax (correct?). Is there any way for my work to allow me to purchase my own insurance on the exchange with money that ...
10
votes
1answer
160 views

Why do insurance companies in the United States have an enrollment period?

Normally with health insurance in the United States, you can only change the coverage you're getting during a single multi-week period in the year. That is unless there's a life qualifying event such ...
10
votes
1answer
925 views

Does the Affordable Care Act (Obamacare) require insurance to be paid with pre- or post-tax dollars?

I would like to continue paying for health insurance with pre-tax dollars. But, according to this Washington Post article, buying healthcare through the Affordable Care Act (Obamacare) requires ...
2
votes
0answers
42 views

When must a health insurance plan provide contraceptive coverage under PPACA?

I'm having a hard time deciphering PPACA as it relates to contraceptive coverage. It seems that all plans that begin after August 2012 must provide it, but there is a "grandfather" clause that allows ...
6
votes
1answer
867 views

Domestic Partnership Health Insurance and Tax implications

My girlfriend and I are moving to NYC. She is self employed and comparable health insurance in NY will cost her 2x as much as in Texas, where we are now. If we register as domestic partners it seems ...
1
vote
1answer
73 views

What is the reasonable amount yearly for a Hospitalization + Disability Income + Critical Illness Insurance?

I live in Singapore. I'm in my mid-20s and I currently have medical insurance that covers hospitalization bills. This amounts to roughly USD 250 per year. However, I lack Critical Illness insurance ...
5
votes
1answer
117 views

Comparing pre-tax versus post-tax health expenses?

I understand the concepts from this question and everything I have read says that the benefit of pre-tax expenses are that they reduce your taxable income. But to keep the math simple, let's say ...
6
votes
1answer
80 views

Will I lose a lot on health insurance by changing employer? (Yearly OoP Max)

I am considering leaving my current employer. Hypothetically, assume my new employer has a different health insurance provider (although, it probably doesn't matter, since it would be a different ...
2
votes
1answer
371 views

What are some FSA eligible expenses that can be used for baby care?

I signed up for a Flexible Spending Account (FSA), and am now trying to figure out what all is covered under it. I know some of the basic products like band aids and glasses are, but I'm really ...
10
votes
1answer
4k views

“Out of Pocket Maximum” and health insurance plan terminology & calculation?

I'm trying to understand the terminology on my health plan. I've read numerous websites, which have only confused me more, as they fail to use examples (more than one should be required) for people ...
1
vote
1answer
71 views

Health Insurance and Disability Question

Country: United States; State: TX Tax Info: Filing separately Spouse: Employed (client-based business); Me: Self-Employed and work for a corporation. My spouse recently had a medical issue that will ...
5
votes
3answers
199 views

Bill to expect after receiving basic emergency services at out-of-network hospital

Edit: follow-up question w/ resolution info and another billing-related concern. Recently I broke a finger while playing sports. The finger was clearly broken/disformed. Also I received a minor head ...
8
votes
1answer
145 views

What happens to an HSA when I am no longer eligible to contribute?

Can I still make qualified distributions from an HSA (Health Savings Account) if I am no longer eligible to contribute? Otherwise, what happens to any remaining balance in the HSA? Example: Say I ...
2
votes
1answer
125 views

How to Deduct Family Health Care Premiums Under Side Business

I am an employee of a company and I have health insurance through them, pre tax. My company only pays for me so I have private insurance for my wife and kids. I also have a side business, and was ...
1
vote
1answer
202 views

Work as a contractor for my current employer rather than become a full time employee after my graduation for health insurance continued coverage

I intend to run my side business full time soon and was wondering whether it would be prudent to continue to be a contractor for my current employer rather than become a full time employee after my ...
5
votes
1answer
96 views

Rules about spouse's HSA

My spouse and 2 kids have high deductible insurance, but I do not. If my spouse contributes to an HSA, could that money be used for my medical expenses, or only for expenses for the rest of the ...
14
votes
2answers
804 views

how to deal with involuntary out-of-network charges

A covered family member had to be transferred to another hospital during an emergency medical situation. Both hospitals were in network, but the ambulance that the hospital insisted on using was out ...
2
votes
1answer
105 views

American (Private) Ankylosing Spondalytis Health insurance costs compared to the British NHS

I'm a sufferer of Ankylosing Spondalytis, and a resident of the UK - my health care is handled by the National Health Service (NHS). Now in the UK seems to be increasing move to privatise it's health ...
8
votes
3answers
227 views

Calculating cost effectiveness of a medical plan

I am evaluating new medical plans, and I'd like to figure out a formula that will give me some idea of the potential benefits of one vs another vs another.. etc.. I have these variables: Cost Per ...
6
votes
1answer
197 views

HSA qualification and contributing with multiple HDHPs?

So I've read the IRS publications and I'm still kind of confused. I have single coverage on my employer's health plan with a qualified HDHP and along with an HSA. This is pretty clear cut. I am ...
6
votes
1answer
191 views

How do I evaluate a health insurance policy that covers a specific disease?

I know that medical emergencies could be fatal for emergency funds and other personal finance aspects. How can you evaluate a cancer insurance policy? What are the aspects that makes one policy ...
12
votes
2answers
311 views

What will the penalties be for someone with out insurance after Affordable Care Act takes effect?

If I currently don't have health insurance will I have to buy a plan? If I do not what will the penalties be?
3
votes
1answer
166 views

What kind of insurance would cover death/disability for organ donors?

Let's say I'm going to be a living donor for a relative. I'm about to willingly undergo major surgery with known (albeit low) risks. I will be taking on significant debt to pay for the whole thing. I ...
3
votes
1answer
284 views

Switching From Employee to Independent Contractor

I've read a few different questions on here regarding the breakdown of employee vs independent contractor, but my situation has details that are quite different, hence, the question. When I was ...
-2
votes
2answers
151 views

Why are some health insurances marked as not HSA eligible but meet the IRS's requirements?

When comparing two different CareFirst plans, they are almost exactly the same (deductible, coverages, etc) however for "HSA" one of the plan says not eligible while the other says eligible. I have ...
5
votes
2answers
205 views

Expensive Pre-Tax Health Plan or Cheaper After Taxes Private Insurance

I currently have two options for health insurance, and I'm having trouble figuring out which one will actually save me more money. Option 1: Employer sponsored Health Insurance for Family ...
1
vote
1answer
356 views

Deduct Health Care Premiums for Family When Employer Only Pays for Me

My employer offers insurance coverage, pays a substantial amount for me, but pays nothing for my spouse or my children. The difference in cost is around $127/month for myself and $1,330/month if I ...
3
votes
2answers
90 views

Tips for insurance coverage for one-man-teams

I'm a solo software developer and would like to find some reasonable health insurance for myself. My wife has a job which allows me an opportunity to participate in her insurance group, but it is a ...
9
votes
1answer
468 views

Can I use HSA money to pay for family member that isn't covered by an HDHP?

If I'm in an HDHP, but my wife is on a different plan (non-HDHP), can I use money from my HSA to pay for her costs until she reaches her deductible?