Questions tagged [health-insurance]

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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43 views

Hedging Costly And Unlikely Events With More Than Conventional Insurance

The selling proposition of something like an inflation-adjusted annuity is that the purchaser trades uncertainty for certainty. Even though some simple calculations will show that fixed and regular ...
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1answer
54 views

Is the employee-paid premium on a health insurance plan that is shared with a non-dependent tax deductible?

My health insurance premium for just me is $0. If I add my domestic partner, however, the premium goes up to $190. I know I have to account for imputed income, on the basis of the additional employer-...
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1answer
66 views

Claim money from unused health insurance (set by employer)

Is it possible to claim unused health insurance money after you leave a company? It is basically unused group health in the United Kingdom (England). The health insurance was set by the employer where ...
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2answers
4k views

Do I have to pay a medical bill when the ER never submitted it for an insurance claim?

My husband went into cardiac failure while we were traveling. He was taken by ambulance to the nearest hospital ER. I gave his insurance information at the time of service. About a month later, I ...
6
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1answer
77 views

Does a qualifying life event require changing retroactively to the date of the event?

My employer offers several insurance plans, including both a low-deductible plan and a high-deductible HSA plan. Suppose my family was planning to have a baby in the middle of next year. Would it be ...
3
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1answer
61 views

Health Insurance Premium deduction for Husband/Wife LLC

Assume the following situation: My wife and I own a LLC in a community property state. (50/50) We are self-employed and have no employees. Under this arrangrement, business income flows through to ...
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0answers
57 views

Cobra or catastrophic insurance

I'm about to leave a job and go on a long bikepacking trip. At the end of the trip I will be going to grad school and getting student health insurance. This is all in the United States. I have decent ...
30
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2answers
6k views

Insuring body parts

In the past few months I have injured my hands 4 times since I started playing basketball. One break was particularly bad and I wasn't able to use that hand for programming. This slowed down my work ...
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0answers
39 views

Mandatory retroactive insurance coverage due to QLE in USA

My wife and I have a QLE (Qualifying Life Event) for new insurance: a job change. The document is dated April 12. We apparently have 30 days to enroll in new insurance now. When we spoke to Health ...
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1answer
63 views

Will my surgery bill be covered by Medicaid if I just started a new job?

I had a knee surgery while i was on medicaid. The hospital hasn't billed me for the surgery yet. I will start a new job soon. Will Medicaid still pay for that surgery?
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2answers
148 views

Accidently forgot to cancel insurance Kaiser, refund possible?

I had a personal health insurance plan from Kaiser, but I forgot to cancel it when my workplace health insurance coverage (also from Kaiser) started, so for 2 months I was charged for 2 plans. Is it ...
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0answers
42 views

Do we have to pay deductibles on medicare and medicaid separately?

My fiancé has been seeing a PTSD therapist for about five weeks, paying out of pocket for the sessions until her medicare deductible was met so she would be covered. We just got a call from the ...
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70 views

What does a negative plan discount mean on a medical insurance claim in the United States?

I saw the following medical insurance (Aetna) claim in the United States: What does the negative plan discount mean?
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1answer
73 views

Self-funded & fully-funded health insurance plans for small businesses

Imagine that a hypothetical small business in the U.S., MoneySavers, is setting up a health insurance plan that it will offer to its employees. I'm looking for clarification on any misunderstanding ...
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1answer
67 views

Can a lab collection requisition be used in two different labs and still be covered by the health insurance?

For example, let's assume that a lab collection requisition lists two tests: test A and test B (e.g., test A and test B can be some blood tests). Can the patient do test A in one lab and test B in ...
4
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1answer
67 views

If I get covered by a new healthcare plan in the middle of a month that is already covered by COBRA, will I get double coverage or a prorated refund?

I've been unemployed and have paid into the COBRA dental, vision, and healthcare plan of my previous employer, ever since being laid off from that job. I submitted my last COBRA payment on February 1, ...
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1answer
40 views

If a health insurance considers a physician with a given NPI as in-network, does this mean that any physician with the same NPI is also in-network?

If a health insurance plan in the United States considers a physician with a given National Provider Identifier (NPI) in-network, does this mean that any physician billing via the same NPI is also ...
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1answer
71 views

Must Israeli citizens who do not reside in Israel pay for the nationwide Israeli healthcare system?

businessinsider.com claims that: Healthcare in Israel is universal and, by law, all citizens and permanent residents must participate in it. I find this surprising, as typically citizens who do not ...
2
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1answer
112 views

Can I use my Health Savings Account to pay for medical bills before insurance reimbursement?

This answer establishes that Health Savings Accounts (HSA) can be used to pay for co-payments and deductibles. Suppose that instead footing a co-payment bill with my HSA debit card, I use my HSA to ...
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2answers
45 views

Mass Connector Health Plans and new employment

I'm currently self-employed and I have insurance through Massachusetts Health Connector, which is what the Affordable Care Act is called in Massachusetts. I have a good income level so I don't ...
4
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1answer
45 views

ACA health insurance: What will happen if my income ends up being way higher than I have on record?

I have a state subsidized health plan through Covered CA (California, US). My income fluctuates quite a bit from year to year, but I always do my best to guess what it will average out to be, and if I'...
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0answers
32 views

What are the options for a French citizen, US-resident to get French medical insurance only applicable to France?

I am French citizen, US-resident and interested to know the option to get French medical insurance only applicable to France. https://www.crystal-finance.com/page/prevoyance-sante-expatrie says: Pour ...
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2answers
52 views

Use HSA to pay for previous medical expenses? [duplicate]

I'll be starting an HSA for the first time on Feb. 1. I have significant medical bills for treatment in December. Can I deposit money into the HSA on Feb. 1 and then use the HSA to pay the bills for ...
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0answers
38 views

Why is the second lowest cost silver plan (SLCSP) premium reported as $0 when no advance premium tax credit (APTC) was taken?

In the instructions for Form 8962 (Premium Tax Credit), it says: If no APTC was paid for your coverage, Form 1095-A, Part III, column B, may be wrong or blank or may report your applicable SLCSP ...
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1answer
51 views

Employee health insurance before vs after tax deduction

The employee insurance I am being offered gives a choice deduction being taken out before or after tax. Which of these choices would result in overall more money saved? Cost of insurance is ~ $60 a ...
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1answer
27 views

Claiming tax deduction on Family Health Insurance covering parents in India

I am going to buy a health insurance policy in India. I am single, salaried and 24 years old. And I want to include my parents(both 50 yrs) too in the health insurance. I have the following queries: ...
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1answer
139 views

If you are hospitalized on December 31st and released a few days into the following year, how is the deductible applied?

I was hospitalized on December 31st after a surgery that was done that same day. Now it is looking like I'll be staying in the hospital at least another day or two for recovery into the new year. I'm ...
4
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2answers
133 views

Employer Paid COBRA asking for reimbursement

Due to COVID I loss work. I requested COBRA paperwork filled them out and returned them to my former employer I never received any bill or any request for payment. I never paid anything toward my ...
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1answer
78 views

Insurance product for retirement

I am new in finance. If I want to propose an insurance product for retired people, and I am supposed to take on financial risks in the hope of profit. Can someone give me some informative tips of what ...
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2answers
556 views

Who pays after deductible? Coinsurance not listed

Our company switched health care providers and I'm a little confused because the provider doesn't call out "coinsurance". So for example, on this base plan, if I were to meet the $3000 ...
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2answers
259 views

What kind of health insurance does the American public have and how do they benefit from it? [closed]

My question What kind of health insurance does the American public have and how do they benefit from it? I was surprised to read articles about the American health care system; this seems to be ...
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1answer
47 views

Owed taxes for discounted health care after pension cash out

Last year in 2019 my Mom signed up for "Obamacare". At the time she signed up, she was under 400% of the poverty limit, which for 1 person was 12,490 x 4 = 49960. Being under this limit ...
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1answer
48 views

Where can I find a definitive list of FSA/HSA qualifying expenses?

I was recently informed that the Coronavirus Aid, Relief, and Economic Security (CARES) Act expanded the list of eligible HSA/FSA expenses to include things such as feminine hygiene products and over ...
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2answers
107 views

I started a new job, want to switch my wife to my new insurance. Can I open an HSA if she had an FSA on her previous plan?

I've been searching for a clear-cut answer to this for a while, to no avail. My employer benefits advisor's guidance was unsatisfactory, and my CPA hasn't gotten back to me about it. And so...once ...
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2answers
1k views

Add someone else to employer-sponsored health insurance?

My brother recently started working at the Internal Revenue Service (IRS). He tells me that he can add anyone to the health insurance that covers him. Can he add me to his health insurance? I'm an ...
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4answers
136 views

Does the benefit of a HDHP with an HSA disappear if the premium is the same as a PPO plan

I'm comparing a couple of different health insurance plans as part of open enrollment at work. Based on answers to some other questions as well as my own analysis, high-deductible plans with an HSA ...
12
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3answers
4k views

Can I afford to take this job's high-deductible health care plan?

I don't have the job offer yet, but one of the jobs I'm looking at would offer me only a high-deductible health insurance plan with an HSA (I don't knw what the deductible is exactly yet). However, ...
4
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1answer
229 views

Am I HSA qualified if I am covered on two health plans, one of which is not high deductible?

I am trying to figure out whether I am legally permitted to open an HSA account. Here is the background: I am the primary account holder on a high deductible health care plan which comes with an HSA ...
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2answers
149 views

how to protect from high medical emergency

I see a news item where a Patients is billed $50K+ for air ambulance. Suppose one day a person who does not have future earning potential and gets a heart attack or some other medical emergency and he ...
4
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1answer
285 views

Why would my health insurance provider call me to spontaneously offer a lower rate?

Asking anonymously for privacy. I have had both basic and extended health insurance at company "A", which is now a sub-brand of company "B". Today, I was called by someone ...
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3answers
236 views

Question About Medical Bill Defense

So, I've been researching for a quite a bit and haven't been able to find a case or ruling that relates close to my situation. I went to a sleep specialty physician about four years ago who was ...
5
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2answers
379 views

Does my new insurance plan have to pay for my pre-scheduled surgery (it normally covers this surgery)?

I am 25 and on my parent's plan until I turn 26 on December 25, 2020. It has pre-authorized me for a surgery which is currently scheduled for November 17. However I want to reschedule it to after I ...
5
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1answer
84 views

Wrong Cancellation of Medical Insurance

I enrolled in medical, dental and vision during open enrollment. I saved the summary after I submitted. The summary shows all my elections. Insurance was supposed to start on September 1st. I received ...
4
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1answer
340 views

For medical charges, how much does insurance company pay?

I had a doctor visit with a specialist recently, and my insurance company gave the following explanation of the claim: Service charges: $522 Health Plan Allowed Amount: $157.64 Deductible: $157.64 ...
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2answers
1k views

If you change to a new employer, does dental lifetime maximum reset?

Suppose that you have a lifetime maximum with Provider A at Employer A. You use your $1500 lifetime maximum for major work. Then you get a new job. Then you want to do more major work. You get an ...
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2answers
48 views

COBRA eligibility and plan transfer

United States (NYS specifically) here. I am in somewhat of a unique position. I have a W2 (salaried) job that has full health, dental and vision benefits, and I have lined up another W2 job (full time,...
2
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1answer
52 views

When Would My Medicare Part B Coverage Begin?

I am over 65 and currently have Medicare Part A coverage, and am under my husband's GHP. He is leaving his job on 9/11/2020, at which time I will no longer be insured. If I sign up for Medicare Part B ...
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2answers
73 views

Do doctors get paid by insurance if the patient received services but didn't pay their deductible, co-insurance, etc?

Don't think there is a need for any additional information. Spirit of the question is to understand some details of what doctors have to go through in order for their services to get settled by the ...
7
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1answer
187 views

After a Divorce, may I use my HSA to Pay Spouse's Medical Bill that Occurred Prior to Divorce

I am recently divorced (in Iowa). My spouse got a large bill in the mail covered by insurance for an emergency room visit. She still owes money even after insurance paid a portion of the bill. I'm not ...
3
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2answers
67 views

Does insurance gap affect pre-existing condition coverage?

I might be unemployed for a few weeks and will lose health insurance during then. I'm trying to figure out what the implications are, in particular, whether I'd have troubles getting pre-existing ...

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