This tag should be used for any questions relating to healthcare. A healthcare Tag should also be include a country tag if relevant.

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1
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1answer
28 views

flex spending when transitioning from full time to perdiem

I am moving from a full time position with health benefits and $2500 in flex spending to a perdiem position. I gave my notice to decrease from full time to perdiem without benefits as of 7/6/15. How ...
3
votes
3answers
310 views

How to respond to collections regarding medical bill your insurance hasn't paid?

Last year our medical insurer froze my wife and children's account and refused to make any payments to any providers until my wife, her doctor, and possibly some of her other providers filled out a ...
0
votes
1answer
36 views

Healthcare / FSA: Lost job. Have expenses from earlier an the year that I have not submitted

(Maybe relevant: I'm in Texas.) My position was terminated last week. Yay. I have a little over $12000 in medical expenses for this year, most of which I had not yet gotten around to submitting. (I ...
6
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3answers
237 views

How To Hedge Healthcare Costs

Quite a few articles have appeared recently about increasing healthcare costs (for those of us affected by Minnesota). In general, many families worry about healthcare costs because it can lead to ...
2
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1answer
88 views

What happens if I have an HSA while here on an H1B work visa and I permanently leave the United States?

I am currently in the US on work visa (H1B) and have been contributing to a HSA account. If I leave the country at a future point of time, what happens to this account and would it be possible for me ...
0
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0answers
55 views

high deductible health insurance worth it?

I am an expat living abroad, and i have health insurance through my company here in Hong Kong, but the coverage is only for Hong Kong treatment. I'm in my late 30s, so is my wife. I have one kid. My ...
1
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1answer
45 views

Can I use FSA funds to pay for expenses outside of insurance start period?

I started a new job on February 2, 2015. But my plan year starts on October 1, 2014 and goes until September 30, 2015. I had a doctors visit that I will have to pay completely for because I was not ...
0
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0answers
23 views

Managing risk: financial risk due to future health problems as a dollar amount

I am analyzing my long-term saving goals against the overall strategy of reducing my risk in various areas. One of the areas of risk I want to reduce is that of financial woes due to future health ...
1
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1answer
184 views

My medical bill went to a collection agency. Can I pay it directly to the hospital?

I went to the emergency room 5 months ago, and got a $2,000 bill. I didn't have the money to pay, so it just went to collections this month. But I already saved some cash, and I want to pay it off ...
2
votes
3answers
142 views

Should I choose not pay the fee for not having healthcare coverage in 2014

I did not have healthcare coverage in 2014. If I check the box on my return that says I did not have coverage I have to pay the fee. However, from the verbiage below it appears that not paying the ...
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1answer
73 views

Can I submit a hospital bill for reimbursement from my FSA if I am on a 12mo payment plan?

I have roughly $1500 in hospital bills. I called them and said that is too much for me to pay right now and they offered to split the payments over 12 months. Can I immediately submit the bill to my ...
0
votes
1answer
53 views

2014 Tax Fee For One Month Without Healthcare

Confirming that I understand this link correctly about paying taxes on every month I was uninsured, and that nothing has been changed in the last week. I went one month without healthcare when ...
1
vote
2answers
91 views

Insurance, healthcare provider, apparent abuse, lack of transparency

I'm now covered by my employer's health insurance. We're used to shopping around for health care, so we expect to spend $80 to $100 at the doctor if we're sick. My wife has an understandable ...
4
votes
1answer
126 views

What is the penalty for having an HSA and Medicare?

If I open a HSA my employer will contribute $1000 yearly, but I am not supposed to contribute to an HSA because I have Medicare Part A. What is the penalty for contributing to an HSA when you have ...
2
votes
2answers
94 views

When using an HSA debit card for qualified medical expenses, do you typically need to mail your provider proof?

How would Fidelity (who I have my HSA through) know that what I withdrew money for was actually a medical expense? And how does it get reported to count towards my deductible?
7
votes
2answers
554 views

Affordable Care Act Documentation

So I just got my taxes completed, and did some searching on the net. Turbo Tax asked me where I got my health insurance. I clicked the box entitled at work, and all was good nothing further was ...
5
votes
3answers
242 views

Why not invest more in the Healthcare sector?

I have reviewed dozens of healthcare Mutual Funds and ETF's and compared them to the major indexes (mostly S&P), as far as back in the 1980's. It appears that the healthcare sector has always ...
3
votes
2answers
43 views

Can I enroll in FSA after losing coverage due to my father losing his job?

I am being allowed by my employer to enroll in a Health Insurance plan outside of the open enrollment period or new hire period due to an Involuntary Loss of Coverage (my father lost his job and I was ...
1
vote
3answers
643 views

Can I use a different HSA than PayFlex that came with aetna?

So my insurance aetna came with a PayFlex HSA. I dont think I like the investment options Harbor Bond HABDX Bond Fund Managers Intermediate Duration Government MGIDX Bond Fund Dodge ...
5
votes
4answers
498 views

Which is better: Employer-sponsored HSA or opening an HSA individually?

So I know that: Employer-sponsored HSA's allow you to deduct contributions directly from your paycheck, pre-tax With individual HSAs, you must contribute using post-tax dollars, then deduct those ...
6
votes
1answer
107 views

HDHP Part of Year, HSA Max Contribution

What HSA contribution limits exist if a person for a portion of the year had an HDHP plan and for another portion of the year had a co-pay plan? Examples: Jane worked for Company A for four months ...
8
votes
1answer
937 views

Can my employer change wage rates based upon medical coverage choices?

Prior to this year my employer used to reduce our hourly rate if we elected to enroll in one of the employer sponsored medical plans available. This reduction in rate was in addition to any weekly ...
1
vote
2answers
65 views

FSA when a retirement agreement has been put into place

If I take advantage of retirement incentive in which I agree in November to retire effective June 30 of the the following year, can I may I make the same elections for the FSA as if no such ...
3
votes
2answers
111 views

How do “family” deductibles work on US health insurance policies?

In the past, I have had individual health insurance. If I had a $1000 deductible, that meant that I had to pay the first $1000 of my health expenditures each year. Next year, I expect to have a ...
3
votes
5answers
2k views

Is this HSA too good to be true?

I am grandfathered into this PPO plan which we have one more year before they get rid of it. I think the HSA plan is better now for me but wanted to check. Is this HSA plan better for me? If I ...
0
votes
1answer
45 views

COBRA and “in progress” expenses

I'm leaving my job in a few days, and I have significant "in progress" dental expenses. I haven't received any official COBRA information yet. I'm worried that any appointments after my last day at ...
2
votes
2answers
186 views

Working for recruiter on W-2 vs. working for client on 1099?

My husband has been offered a job at a large company on the other side of the country. He told them he would commit to a long-term contract of up to two years, but that we did not want to move ...
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0answers
125 views

How common is “pass-through” health insurance?

I am doing research about how health insurance works in the United States. I plan to post my findings on my personal web site. I have heard it said that some companies that provide health insurance ...
2
votes
2answers
128 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 ...
6
votes
1answer
184 views

Can I deduct my individual Health Insurance Premium in Tax

I have a my own LLC and working as self employee for this company. I am working on 1099 for this company. Since there is only 2 employee (including my spouse), I can't take health insurance from my ...
5
votes
3answers
165 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 ...
2
votes
1answer
47 views

In Australia how are medical costs calculated?

I have a young family and my wife and I are under the assumption that if a major surgery needed to take place that costs are covered by the government. I would like to understand what the situation ...
2
votes
1answer
63 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 ...
4
votes
2answers
125 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 ...
3
votes
1answer
196 views

My employer offers an FSA and HRA but it's not enough. What other options do I have?

My financial situation is unique. I have a son with a degenerative illness that requires on going treatment. This year my employer contributed $1500 to an HRA and I contributed $2000 to an FSA. I ...
1
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0answers
44 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 ...
1
vote
1answer
503 views

Can I claim a tax credit on money I send to India for my parents' healthcare?

I live in Canada and I'm a permanent resident. If I send money to my parents in India, can I claim any kind of tax benefit on that e.g. under the caregiver tax? I know if I bring them here and they ...
1
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0answers
44 views

What is the difference between “copay” and “coinsurance”? [duplicate]

When having the chance to change health care plans at work, how can options involving "coinsurance" and "copays" be compared effectively? I have only ever had copay plans - what benefits might I see ...
2
votes
1answer
82 views

Reducing cost of emergency room visit

This is a follow-up to my previous question. I've received a relatively large bill from my health insurance provider for an emergency room visit a few months ago. While the bill isn't astronomical ...
14
votes
2answers
2k 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 ...
1
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2answers
94 views

How can I accept donations for a loved one's health care?

My wife's mother (the "patient", for ease of writing this) has early onset Alzheimer's. The family has spent all of the patient's personal cash paying for medical expenses, and is now asking relatives ...
17
votes
3answers
59k views

If I leave my job, what happens to my flexible spending account?

I am about to decide how much money to set aside for my 2013 Flexible Spending Account (FSA). (The max this year is $2500.) But I am wondering what happens if I switch employers during the year. Does ...
6
votes
1answer
230 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
382 views

What will the penalties be for someone without 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?
8
votes
4answers
3k views

Collections for Medical Bill - Pay Settlement or Full Amount?

I live in California, and I had an ER visit in November 2010. I originally owed ~$800. I've been contacted by a collection agency, and offered a settlement of ~$400 I have verified with the original ...
6
votes
1answer
1k views

Protecting an elderly parent's assets / medicaid look-back

I've been asked by a senior to investigate: What are the things one needs to keep in mind with the issue of an elderly parent with some assets (house + some savings) who may need to enter into a ...
3
votes
2answers
146 views

In the U.S., are major dental procedures considered tax-deductible?

If someone is going to undergo a major dental/medical procedure ($40k+), is there any way to deduct the money paid for the procedure, or at least part of it?
2
votes
2answers
254 views

Gap in domestic Health Insurance coverage, expect higher premiums?

I am going to be living abroad for a year. I left my employer and am on short-term health insurance until I leave. I wasn't planning on maintaining domestic coverage (U.S) while I was abroad, but I am ...
1
vote
2answers
96 views

Is health insurance a wash in this case?

Let's say one makes 50k per year base at a company that pays 100% of the cost of a 10k per year medical plan. Now, a different company pays 0% for their similar 10k health care plan. The base pay is ...
9
votes
2answers
142 views

Tools for comparing costs between different healthcare providers?

I have a high deductible health insurance plan. That means the first $2000 or so expenses per year are not covered by my insurance. What's a good way to compare health care costs from different ...