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".

Filter by
Sorted by
Tagged with
1
vote
0answers
21 views

Am I reading the HDHP rules correctly? [duplicate]

I'm puzzled by the rules for High Deductible Health Plans. For 2019, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,350 for an individual or $2,700 for a ...
8
votes
1answer
206 views

Medical bill sent straight to collection agency

I was very surprised to receive a letter from a collection agency regarding a medical bill incurred during my wife's pregnancy last year. We never received any correspondence via mail, e-mail, or ...
2
votes
1answer
83 views

Are you eligible for COBRA more than once?

I was laid off and used COBRA for 7 months. Started a new job and was employed for 6 months, quit the job because we moved. Am I entitled to COBRA again from the second job?
3
votes
1answer
103 views

Medicare and living in Mexico

If a US citizen moves to Mexico, can he/she live in a town near the border, maintain his/her coverage of Medicare and come to the US for medical care? He/she would want his medical care to be paid for ...
2
votes
2answers
153 views

Insurance company demands extra payment for marketplace healthcare

My brother went to the marketplace to get insurance. He picked a plan and has paid on time every month. Today he was told by his insurance that he owed an additional 1300 dollars. The marketplace had ...
0
votes
1answer
72 views

Short term health insurance for a non-citizen US resident

I'm a UK citizen who moved to the US (California) a few years ago with a Green Card. This year I decided to move back home, so I quit my job and started freelancing, so I have an ongoing income source ...
14
votes
3answers
2k views

How Often Do Health Insurance Providers Drop Coverage?

My freelance work is organized as a single-member LLC. Since the Affordable Care Act, I have been getting insurance coverage directly from a health insurance provider, with rates equal to those on the ...
2
votes
2answers
132 views

During the cobra 60 days election period, can I go to the doctor?

I was recently terminated and my health insurance stopped working. I got the cobra option, but I didn't sign up to it yet as I have 60 days to do so. My question is: Can I go to the doctor in this ...
2
votes
1answer
104 views

Hospital charged me for more than insurance claims that I owe

I recently had a medical procedure done that had a number of diagnostic tests leading up to a surgery. All of the various bills from that went through insurance, with me paying the out-of-pocket ...
2
votes
2answers
66 views

COBRA and deductibles already paid

If I'd already paid five months of deductible expenses, should I elect for COBRA or buy my own insurance if there's only a $30 difference between the two?
3
votes
5answers
416 views

Does COBRA make sense anymore with the ACA?

I recently changed jobs. Job 1 ended in March, and Job 2 started immediately after the end of Job 1. The health insurance provided by Job 1 continued to the end of March. The health insurance coverage ...
5
votes
1answer
87 views

Can I defer starting Medicare if 65 and on COBRA after a lay-off? (HSA, COBRA, and Medicare)

I turned 65 in February, am still working full-time, and have medical insurance through my company that qualifies me to defer signing up for Medicare. I've been contributing the maximum to my HSA ...
5
votes
1answer
356 views

pros and cons of HSA in Investment account

I have my HSA that is currently in savings or checking account. The Insurance company provides option to keep the money in Investment account. What are the pros and cons of parking HSA fund in ...
1
vote
1answer
138 views

Car Insurance - Uninsured Motorist Bodily Injury With Personal Health Insurance

I have comprehensive health insurance with a relatively low out of pocket. I noticed that the "Uninsured Motorist Bodily Injury" add-on for my car insurance has limits of $100,000 / $300,000. In the ...
1
vote
0answers
86 views

Health insurance payment does not match up explanation of benefits. What's going on?

My wife and I utilized the services of a chiropractor who happened to be out of network with my insurance provider (will name in an edit if it is important). My Explanation of Benefits says that out-...
43
votes
4answers
16k views

How can I get a job without pushing my family's income into a higher tax bracket?

I live in Seattle and turn 18 before the year's end, and I'm told my family has an income such that if I get a job and make more than $1000, then I would push my family into a higher tax bracket. ...
3
votes
1answer
91 views

HSA Based Income Tax Optimization Strategy

A hypothetical individual living in the USA held a high deductible healthcare plan (HDHP) in 2017, 2018, and in 2019. She maxed out her HSA contributions in 2017 and 2018 but did not make any ...
2
votes
2answers
94 views

Best method for paying out of network licensed professional counselor?

I am interested in a specific LPC (Licensed Professional Counselor) because I like their model and services, but they are out of network. I have very limited understanding in the medical/insurance ...
1
vote
1answer
43 views

Individual Mandate Penalty for a Resident Alien who left the country in August

I am an F1 student who was in the United States from September 2011 till August 2018. I completed my coursework in May 2015, and stayed in the US for another three years under the OPT provision. I ...
1
vote
0answers
28 views

Question regarding reporting medical insurance, interest income and my address because of part-year stay in the US

I am seeking urgent assistance with my US tax filing (with TurboTax) for 2018 concerning part-year residency. I lived in the US between Jan-August and left the country for good thereafter. Keeping ...
1
vote
2answers
193 views

What happens if I can't pay money to my health insurance company?

I have a health issue for which I have to go into treatment for 4 to 6 weeks. When I called my insurance about the benefits, I was told that after treatment, I will owe $5000 to my insurance company ...
3
votes
1answer
70 views

Reimbursing myself for health related expenses years after they occur w/HSA?

I have an HSA which I primarily use as an investment vehicle, I have not taken any money out for eligible expenses but continue to contribute and invest those funds. I have read that I can essentially ...
1
vote
1answer
82 views

Deducting self-employed ACA health insurance premiums paid for next year

I'm self-employed and paid my January 2019 ACA health insurance premium at the end of 2018. I assume I can deduct this on my 2018 taxes since I use the cash accounting basis. But what if my 2019 ...
2
votes
1answer
169 views

I have a dental health policy and I have a general health policy that includes dental. Can I claim on both?

I had to have a crown for £500. I claimed through the specialist dental insurance. They paid out £350. Can I now claim on the other general insurance policy for the £150 that wasn't covered? I know I ...
2
votes
2answers
96 views

Option for health insurance coverage when going back to school in 30s

Specifically for health insurance coverage: What are ones options when going back to school full-time in their 30s? Do schools provide any sort of coverage plans, if so are how do they compare to a ...
2
votes
1answer
64 views

Is it preferable to visit out-of-network medical providers before reaching the in-network deductible when max between in- and out-of-net are combined?

In the United States, some health insurance plans are designed so that the submitted expenses accumulate towards both the in-network and out-of-network deductibles (sometimes referred to as combined ...
2
votes
1answer
79 views

Understanding German state health insurance terms Mindestbeitrag for self-employed

According to this site, they operate with the following terms around a minimal monthly insurance fee: Beitragssatz - Mindestbeitrag EUR 1038.33 Krankenversicherung - 163,02 What is now the mandatory ...
1
vote
3answers
131 views

Is there any point in a medical provider “taking the patient's health insurance” even though they aren't in-network?

In the United States, medical providers sometimes indicate that they "take the patient's health insurance". This means they will bill the patient's health insurance regardless of whether they (the ...
1
vote
1answer
58 views

What is the difference between open access and open choice in health insurance plans in the United States?

What is the difference between open access and open choice in health insurance plans in the United States? I've seen both terms used in health insurance plan names. Example, from https://www.aetna....
3
votes
1answer
108 views

What is a “cash carrying patient”?

I read on https://www.ccapta.org/mpage/MoveInsurance (mirror): Physical therapist services may be obtained without a physician’s referral if you are a cash carrying patient, receiving treatment for ...
1
vote
1answer
215 views

Still enrolled in Medicaid after starting new job

I just started a new job and I am still enrolled in Medicaid officially. Can I still use Medicaid until my new company sponsored health insurance kicks in?
1
vote
0answers
50 views

Can I take self-employed health insurance deduction?

I am trying to figure how much of my Medicare premiums and Medicare Advantage (MA) premiums qualify as self-employed health insurance deduction (SEHID) "above the line" on line 29 of Schedule 1. ...
4
votes
1answer
127 views

What counts toward the insurance deductible: the amount that the medical provider billed the insurance or the amount the insurance billed the patient?

What counts toward the health insurance insurance deductible: the amount that the medical provider billed the insurance, or the amount that the insurance billed the patient? For example: the medical ...
0
votes
2answers
339 views

Wife No Longer Has Health Insurance, What Can We Do?

My Wife and I are both American Citizens who got married in October. Our initial plan was to enroll in my job's health coverage during the open enrollment period in November, but after we sat down and ...
0
votes
0answers
26 views

Medical insurance submission

Can my medical Dr. refuse to submit a prescription to my insurance for the reason that they aren't compensated enough, when they are contracted with my insurance?
1
vote
2answers
132 views

Does paying a medical provider in cash count toward one's insurance deductible?

When paying a medical provider in the United States, the patient can either pay them cash or have them bill the insurance (which in turns may send some of the bill to the patient). Paying cash is ...
0
votes
0answers
93 views

Does health insurance pay for traffic accident related claims

Is it true that in the US, health insurance does not pay for treatments needed as a result of car accidents? Specifically, what insurance covers the following scenarios: Someone has an accident ...
3
votes
6answers
346 views

Rational risk-assessment decision framework: Should I buy health insurance?

Update: I've posted a sub-question on the math stack exchange to help answer part of this primary question. Sub-question: Toy problem: How much should I rationally be willing to pay for this ...
0
votes
0answers
65 views

Is Supplemental 20/80 health insurance still available in the US?

Are supplemental health insurance plans (those that can pay your out of pocket expenses after some deductible up to the limit that your primary insurance covers) still available in the US? I was ...
0
votes
1answer
125 views

Premium tax credit repayment

I had to repay entire subsidy in the amount of $15,000.00 when I filed my taxes in February 2018. Did to having withdrawn money from IRA to purchase a home. Can I deduct the entire $15,000 when I ...
3
votes
1answer
57 views

Do I need to Re-file my taxes (1040x) once I receive healthcare marketplace exemption certificate?

This pertains to tax year 2017. My girlfriend filed her taxes and filled out form 8965 (healthcare coverage exemptions form). She checked the box indicating that she had a "pending" hardship exemption ...
0
votes
1answer
139 views

Can I get multiple hospital indemnity plans (e.g. Aflac and such)?

Is it possible to get multiple hospital indemnity plans from different companies such as Aflac and Metlife? If I were to get one by myself, can I cancel any time?
0
votes
1answer
42 views

Can W2 salary be negotiated when removing healthcare plan?

As a W2 employee, I will get $4,500/mo plus benefits. One of the benefits is that they will pay half the healthcare plan that I select from the options available. In my case, it's about $400, so I pay ...
2
votes
1answer
86 views

ACA and HSA question - seems HSA policies are a lot more expensive in premium and out of pocket

I am looking at ACA coverages in CT. The HSA policies cost a couple hundred more per year (family of 4) and I pay 100% of all costs not excluded by the ACA until the full deductible is reached, then ...
1
vote
2answers
94 views

I have Multiple HSA accounts and want to confirm my established date is correct

My employer changed HSA providers in June 2016. We were HSA eligible since 2014 and the original account was established then. My wife had surgery April 2016 yet I was using funds from the June 16 ...
0
votes
1answer
33 views

Provider pool size for health insurance plan

I am selecting health insurance. My goal is a low premium/high deductible plan, but with a large selection of providers. In other words, if I have a serious medical problem, I would like the ability ...
0
votes
3answers
104 views

Medical Coinsurance Maximum VS Out-of-pocket Maximum?

Plan 70/30 offers $4000 Coinsurance Maximum. (outofpocket max N/A). Plan 80/20 offers $4100 Out-of-pocket Maximum. (coinsurance max N/A) Does that mean that if I get into an accident which requires ...
2
votes
2answers
131 views

Open an HSA at another bank and transfer even if I am not qualified to contribute?

Last month, my girlfriend got a new job with good health insurance and an FSA account. She has an HSA account from her previous job and the custodian is dinging her with monthly fees because she's ...
0
votes
2answers
48 views

Order of payments in embedded health insurance

I would like to know if the order of medical care matters in an embedded health insurance system. I'm trying to decide between different insurance plans for the upcoming calendar year, but something ...
0
votes
1answer
129 views

Employer won't refund healthcare cost [closed]

My wife's employer had put me on her health plan after I provided paper work stating I was covered under my employers benefits plan and billed her for myself and our 3 children and won't refund her ...