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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5
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1answer
74 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
298 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 ...
2
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1answer
95 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 ...
1
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2answers
34 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
votes
1answer
49 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 ...
0
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2answers
69 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
144 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
58 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 ...
2
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0answers
69 views

Is it wise to have two health insurance plans?

I have not come across many articles discussing this topic, but I am guessing if it wise to have multiple health insurance plans. For example if there are two top health insurance plans. If I wanted ...
0
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0answers
14 views

Can I open an HSA if on parents health plan but not a tax dependent?

I plan to remain on my parent's health plan until I am 26. The plan is a HDHP and therefore they are able to contribute to an HSA. I know that while I was still a tax dependent I was unable to open my ...
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0answers
46 views

How do I get my insurance to treat an ambulance charge for a 5150 transfer as “in network”?

My daughter became suicidal and after taking her to our local emergency room she was placed on a 5150 and was subsequently transferred to the nearest inpatient mental health faculty. Our local ...
3
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1answer
79 views

Contributing to medical insurance

We are hiring a nanny and we would like to contribute to her medical insurance, as our understanding is it would be not be taxable (we are in California). Do we need to purchase the whole insurance or ...
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2answers
96 views

Where can I find a highly detailed model for how a normal US health insurance companies sets premiums?

I found this, and it was a great starting point for research but I would like to learn about the nitty-gritty details. For example, obesity is not considered a "pre-existing condition" and is often ...
2
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2answers
38 views

Indian health insurance incurred claims ratio

I was trying to calculate the incurred claims ratio for the New Assurance Assurance Co. (an Indian insurance company) for health insurance from the company's public disclosure information. This seems ...
3
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1answer
37 views

Can ACA subsidy repayment be deducted as medical expenses?

I used ACA in 2018 and received a subsidy based on incorrect information received via phone call with the Health Marketplace regarding what qualified as income. This resulted in me having to payback ...
1
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1answer
26 views

HSA/FSA eligibility and Last Month Rule

Spouse has had an HSA eligible plan but because I had an non-limited FSA throught my employer we had not been able to contribute to the HSA. Last year we decided to get rid of the FSA, the FSA ...
0
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1answer
92 views

Retirement benefits vs. better salary/health insurance

I'm a research scientist and postdoctoral fellow in a US government lab. Currently, my position is funded through a DOE-run organization as an educational/training position. The salary is good for my ...
3
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1answer
57 views

Understanding Indian insurance claim statistics

I'm in India, and I'm currently trying to understand the accounting (i.e. simple arithmetic) of the Public Disclosure information of Indian insurance companies. The context is that I'm trying to ...
1
vote
1answer
109 views

Are there escape clauses that insurer can use to not pay claims if too many people die from Covid virus?

Are there any clauses in a insurance contract that allows an insurer to not pay claims if too many people die from Covid virus? Is there a risk that insurance customers will be left out to dry?
4
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2answers
129 views

Will changing HSA custodians result in losing investment value?

My HSA custodian was acquired by another custodian, and they're planning to liquidate my investments at the old custodian, and then transferring that into a money market at the new custodian. At that ...
1
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0answers
30 views

Hospital Payment Plan - FSA account

I have a large hospital expense coming up in the next week and was planning on signing up for a monthly payment plan. Currently, I am not enrolled in FSA account for the 2019-2020 period. We are in ...
1
vote
1answer
89 views

Have short term insurance now and due to recent issues insurance company will not renew. How can we get insurance?

My sister worked at bank and had to retire 10 months ago due to testing positive for dementia. She signed up for short term insurance and not Cobra. In the past she has had both knees replaced and ...
0
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0answers
40 views

What can I do to avoid losing $2000 DFSA credit due to account mix up with another colleague's?

My wageworks account got mixed up with a former colleague's, since our names (both Chinese) are very similar. I discovered this last December, and have been in weekly contact with my HR department ...
0
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1answer
31 views

Premium tax credit repayment - below poverty line

So when we where signing up for 2018 healthcare. We estimated we would make enough money to qualify for the APTC...and not to much to not qualify for it..In Colorado in 2018 you had to make above a ...
2
votes
1answer
156 views

Health Insurance Coinsurance seems to be backwards

My friend is working for a company in the US (CA). She works for an international company that happens to use a Japanese insurance provider and she’s trying to decide what level plan to sign up for. ...
16
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3answers
4k views

Is there any upside in keeping a physical copy of one's health insurance membership card in the United States, or is a scan of it enough?

Is there any upside in keeping a physical copy of one's health insurance membership card in the United States, or is a scan of it enough? (assume the scan is backed up and it will not get lost.)
2
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2answers
106 views

Why am I not allowed to take the insurance premium deduction for a marketplace plan?

I just finished my 2019 taxes using TurboTax, and I'm pretty confused about one detail. I am self-employed, and during the portion of the process where I listed my business expenses and deductions, ...
2
votes
1answer
45 views

I'm seeing an out of network provider for physical therapy

I'm seeing an out of network provider for physical therapy. They told me I pay nothing and once I get checks from my insurance company, I sign them over to them. I received some checks and on the EOB ...
4
votes
1answer
402 views

Large Difference between Billed Amount and Allowed Amount

I've been researching this but have yet to come up with any resolution that makes sense. I thought I'd try here to see if anyone has any ideas. We were billed for our daughter's room and board and ...
1
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1answer
117 views

HSA vs. Health Sharing Ministries

Have you seen a comparison of Health Sharing Ministry Plans vs. HDHP plans when the health sharing plan is provided by your employer & HDHP is personal? Is the savings from the employer provided ...
3
votes
1answer
193 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 $...
6
votes
1answer
303 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
325 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?
1
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1answer
44 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
votes
1answer
107 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
votes
1answer
106 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? ...
0
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4answers
211 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
57 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
votes
1answer
70 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
votes
1answer
63 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
votes
1answer
76 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
votes
3answers
590 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
votes
2answers
117 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
votes
1answer
112 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 ...
0
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1answer
46 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
votes
1answer
74 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
votes
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
votes
1answer
108 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
vote
1answer
48 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
votes
2answers
63 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 ...

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