For questions related to health care costs and paying for them. A country tag is almost always important to add alongside this tag.

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2answers
45 views

Medical Bills and IRA Distributions

From my research I think we have unknowingly and accidentally screwed ourselves here, but I would like to ask to confirm. Oct 2015: Our son needed emergency surgery when we were traveling in Panama ...
5
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1answer
811 views

Ambulance Fees and Insurance

I recently had a medical scare that sent me to the hospital by ambulance in New York City. When the bill came due my insurer covered the emergency room visit but did not cover any of the costs of the ...
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4answers
427 views

Got charged ridiculous amount for doctor's walk in visit. What are my options?

I went to a local doctor's office that takes walk ins. The visit was normal, they took my vitals, doctor saw me, and prescribed some meds. A few weeks later I got a bill in the mail for $400. That'...
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1answer
36 views

My employer changes the fsa plan year. What happens to me?

My employer will change from a July-June plan year for my fsa to a January to December plan year. I have already used up a 2500 dollar allowance for July 2015 to June 2016. What does this mean for the ...
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1answer
31 views

Does out-of-pocket maximum still apply for out-of-network (not covered) doctors?

(in the US) If I have a doctor that is not in my health insurance's network (and so listed as Not-Covered), or if my doctor prescribes a drug that is not covered, I understand the insurer will ...
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1answer
309 views

How to understand the status of my 12-year old, unpaid, $200k medical debt?

From 2000 until 2005, I accumulated about $200,000 USD in medical debt to 4 hospitals in 3 states. I can't even count the number of physicians who were involved. Initially, things went ok with billing ...
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2answers
121 views

Medical bill in collections

I am a college student that had surgery in 2014 on my gallbladder and subsequently became very ill and needed a necessary test to prove a a diagnosis my gastroenterologist suspected. He recommended ...
9
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1answer
144 views

Might it make sense not to look into debt that is in collections?

I happened to glance at my credit report and one of the agencies shows that I have a debt of just over $100 in collections. It appears to be from an emergency room in a previous state (I moved about 6 ...
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2answers
166 views

Can I make modifications to my health coverage enrollments after 30 days after joining my first company?

I recently took up a job in CA (the hustle-bustle place) after completing my PhD. I was on F1 during my studies and now I am on OPT. At the time of my joining, I was given a 30 day window by my ...
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2answers
80 views

Should I spend upon medication or paying my debt? [closed]

I had fever from 3 days and I am taking medicine (prescribed by my Medical Practitioner). Today I ran out of my medicine. I am feeling much better but not too good. The situation is that I got 600 ...
5
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1answer
99 views

Evaluating ACA health insurance options

Question: Are ACA-compatible Catastrophic plans really more expensive (on average) than the other "metal" plans? After deeper analysis, it seems like a Catastrophic plan costs less out-of-pocket than ...
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2answers
231 views

should I get a dental implant before the end of the year?

Here is my situation: I paid a lot in out of pocket medical/dental costs this year (more than $5K) I still need about $2K in dental work. I do not have the cash on hand to do it. But, if I get it ...
4
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1answer
160 views

How is the obamacare tax credit calculated?

In the first 9 months of this year I had a relatively high income. However, I have no income since October. I used to have health insurance from my employer but now I am trying to get health insurance ...
2
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1answer
36 views

Child Healthcare costs - Statistics by age

Are there statistics, both current and projected, on healthcare costs (absolute dollar amounts) in the USA for children at various ages? I googled this and found this study: http://www....
3
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2answers
100 views

Single employee - paying for health insurance premiums with pre-tax money

I am about to join a new US company and will be the only employee for a while. I am not a shareholder or anything similar. The employer cannot offer a group health plan as they normally require at ...
2
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1answer
165 views

How to tell if a health share membership a prudent investment?

Under the Patient Protection and Affordable Care Act (aka Obamacare), Americans are required to purchase health insurance each year or else pay a penalty. I feel like I've been getting treated badly ...
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1answer
89 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 ...
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3answers
1k 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 ...
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1answer
65 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
277 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
548 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 ...
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0answers
72 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 ...
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1answer
122 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 ...
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1answer
2k 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 ...
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3answers
205 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 ...
2
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1answer
868 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 ...
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1answer
56 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 ...
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2answers
104 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
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1answer
479 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
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2answers
266 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
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2answers
569 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 ...
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3answers
310 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 ...
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2answers
53 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 ...
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3answers
2k 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 &...
6
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4answers
2k 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
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1answer
206 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 ...
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1answer
2k 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 ...
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2answers
197 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
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2answers
159 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 ...
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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 ...
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1answer
71 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
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2answers
395 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
315 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 ...
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2answers
335 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
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1answer
260 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
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3answers
576 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
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1answer
54 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
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1answer
78 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 ...
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2answers
133 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 ...
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1answer
228 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 ...