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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15 views

How long must an insurer retain records of opt-outs for, in Canada? [closed]

Sister studied at a university in ON, Canada, and opted out of their student union's health insurance. The insurer replied that they closed the account and can't access any record of opt-outs. How ...
2
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1answer
176 views

HSA Contribution Limit Question - Fun Situation

Here is the situation and what I would like to do: My wife and I are on separate HDHP with our respective employers, which means we are eligible for 2 HSA accounts and 2 solo limits for a total of $...
5
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1answer
247 views

What is the benefit of a private healthcare insurance in the UK?

Context I am a alien living in the UK (England, more precisely). I have right to permanent residency, (so) I benefit from the NHS. As background for those not familiar with the UK, all health ...
2
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1answer
322 views

If health insurance 'doesn't cover' a procedure, does the cost of the procedure get applied to my deductible?

If I haven't yet met my deductible?
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1answer
34 views

Can a dependent keep COBRA as secondary insurance as well as an (inferior) new employment group insurance?

Details: The COBRA is for an awesome PPO insurance. Primary subscriber is about to start a new job. Both my child and I are dependents facing high medical and prescription costs in the next few months,...
3
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1answer
101 views

What is the best way to finance medical screenings for a non-resident alien?

My dad is coming to visit me from a country with a very poor medical system. The kind of system where senior citizens don't get much attention from doctors at all and pretty much left to die from ...
3
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1answer
104 views

Getting bills after out of pocket max?

I hit my 2019 out of pocket max after a surgery in Nov 2019 but am still getting bills related to it (e.g. anesthesia). Since I’ve hit my max, I shouldn’t have to pay these. What am I supposed to do? ...
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4answers
197 views

Can you purchase medical/dental insurance after you know you will use it?

Currently I do not have dental insurance with my job. I just found out I need some major work :( Can I still get dental insurance and have it save me money? I know it's possible to get dental ...
2
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1answer
48 views

Essential difference between international travel insurance and relocation insurance

After reading a bit about international travel insurance concept and policies and about relocation insurance concept and policies I didn't recognize any essential difference by policy content. Both ...
2
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1answer
65 views

Medical Insurance Premium paid by non-earning spouse - Tax Deductible?

My wife has been a non earning (looking for job) member of the family throughout this year, but has been paying for Medical Insurance Premium for whole family through her savings. She was getting ...
0
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1answer
60 views

Independent contractor self-insured HSA/ACA compliant plan

Without delving into the political motivations behind my intent at why I would want to pursue such a plan, I'm looking for some information regarding setting up a self-funded health insurance plan. ...
2
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1answer
69 views

Income tax on Medicare premium paid by employer

We are a church in Texas. The pastor's contract with the church includes payment for health insurance for him and his family. The pastor's wife turned 65 this year and is now eligible for Medicare. ...
7
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3answers
566 views

What is a deductible?

New grad just out of college and working at a job that is asking me how much I want to contribute to my HSA. My medical plan deductible is $3,000 and I am a single filer (when it comes to tax) so I ...
4
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2answers
116 views

No-Deductible plan or High Deductible HSA plan?

The Company I work for is offering two Insurance options starting this year. One being the No-deductible plan I am currently on, and the other being a 1500$ deductible plan with an HSA that they will ...
2
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1answer
108 views

HSA and tax free investing

The below is a quote from another HSA question's comment: I agree. To your point the best course of action would be to max out your HSA contributions, not distribute them even if you can, invest ...
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1answer
42 views

Coordination of Benefits With Multiple Health Insurance

I would like to understand how two health insurance companies will co-ordinate their payment. Let's take the following example a person with the following coverage: Primary health insurance: (...
3
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1answer
71 views

Qualifiying Life Event allow one to change coverage plan

Employer provides four plans, with the following three that interest me, PPO, HMO, CDHP During open-enrollment I choose PPO. I marry. This counts as a QLE. Am I allowed to change to CDHP midyear? ...
7
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5answers
2k views

Getting health insurance with the highest deductible and putting the savings in HSA

I'm thinking about getting the highest deductible plan for next year, which would save us a lot of money. With that money, I'm planning to put all the savings (and some more) into our HSA account. We ...
3
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1answer
100 views

HSA over-contribution if I lose my job part way through the year

My employer provides my health insurance as part of my compensation and benefits package. It is a qualifying HDHP and as such every year I generally max out my HSA, either through payroll deductions ...
1
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1answer
44 views

per occurrence deductible vs co-pay

I'm comparing insurances to select my benefits. One says the outpatient surgery facility fee is $xxx/visit, while the other says $0 coinsurance but has a $yyy "Hospital per occurrence deductible." Is ...
4
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2answers
58 views

Moving from individual HDHP to family HDHP, can my wife only contribute to an HSA?

I have had an HSA account that I used to contribute to for my HDHP plan through my employer. This year I am on my wife's HDHP plan through her employer. Does this mean I can no longer contribute ...
4
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2answers
2k views

Orthodontist charged me more than submitted as total to insurance and wants me to pay the rest?

I had an orthodontic procedure done. The total bill was $10k. My insurance covers 90% of this procedure.They processed the claim and it shows coverage at about 60% of the total amount. I called ...
1
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1answer
26 views

S-Corp - Small Business Health Options Program (SHOP) vs Individual Policy Through Marketplace For One Person

I have a one person S-Corp. I am currently purchasing an individual health insurance plan through the federal marketplace, but would like more plan options. I know that SHOP (Small Business Health ...
2
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1answer
53 views

Moving from Family HDHP/HSA, to individual HDHP/HSA and individual FSA?

A similar question was asked here, but in this case they were looking to move to a family plan. Wife has FSA with employer, and my new employer offers an HSA plan. What to do? My situation is my ...
3
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1answer
168 views

Erroneously used child's birth instead of loss of insurance as QLE, double paid insurance for same month

Quick backstory: My wife is a teacher and we were getting our health/dental/vision from her work. When we got pregnant with our second child, we decided she wouldn't go back to work after the baby ...
3
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1answer
49 views

Choosing between Tradtional PPO and HDHP with high prescription cost

I have been on some variety of HDHP most years since about 2005. The math has almost always been a no-brainer, particularly at my last place of employment. However, I started with a new employer in ...
5
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2answers
102 views

HSA eligibility when with employer plans

My employer offers two health plans: PPO with optional FSA HDHP (high deductible health plan) with an HSA option. The plans have identical coverage, the difference is in the premiums, deductibles, ...
4
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1answer
113 views

Does the deductible apply to each doctor's visit separately or are the costs cumulative over the year?

In a few months I'm switching to a health insurance plan with a $1,600 deductible. After the deductible is met, the plan pays everything, i.e. 0% coinsurance. As of now, I see a physical therapist ...
2
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1answer
98 views

Changing jobs in UK and health insurance

I am self employed in the UK. My wife works for companies which give you a family health package while you work with them. Now my wife changed jobs. Before she was with BUPA and now, via the company, ...
1
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1answer
54 views

Understanding Premium increases in Long Term Healthcare policies

Question confined to Long Term Healthcare policies that provide a fixed daily benefit (unrelated to cost of care) over a fixed number of months. In trying to explain why a premium increase (of 50%) ...
7
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3answers
813 views

Why am I not billed for EOB balance?

Why am I not always required to pay the outstanding amount listed on my Explanation of Benefits? Documentation of how EOBs work state that I am responsible for any outstanding amount that the ...
6
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1answer
150 views

Can my spouse and I both have HSA's at the same time if I am covered on his health insurance plan?

My husband has a HDHP through his employer which I am covered on, along with our 3 children. He has an HSA plan that he contributes to through his employer in the amount of $200 every two weeks or ...
8
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2answers
243 views

What recourse do I have when my COBRA insurance provider refuses to pay my claims? (Presently enrolled and paid in full)

My COBRA health insurance provider won't pay for my prescriptions using excuses like they can't find me in their system or my group number is wrong even though nothing has changed. I'm paid in full ...
2
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0answers
26 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
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1answer
252 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
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1answer
88 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
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1answer
111 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
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2answers
158 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 ...
14
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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 ...
3
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2answers
266 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
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1answer
114 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 ...
3
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2answers
199 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
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5answers
472 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 ...
7
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1answer
136 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
373 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 ...
2
votes
1answer
186 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
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0answers
90 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
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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
105 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
101 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 ...