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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1answer
96 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 ...
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3answers
159 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 ...
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1answer
179 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....
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1answer
115 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 ...
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2answers
4k 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?
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0answers
57 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
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1answer
208 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 ...
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2answers
387 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 ...
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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?
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2answers
328 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 ...
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6answers
415 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 ...
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0answers
66 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 ...
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1answer
218 views

Premium tax credit repayment

Due to having withdrawn money from IRA to purchase a home, I had to repay the entire Premium Tax Credit in the amount of $15,000.00 when I filed my taxes in February 2018. Can I deduct the entire $15,...
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1answer
70 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 ...
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1answer
497 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?
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1answer
44 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 ...
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1answer
101 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 ...
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2answers
182 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 ...
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1answer
35 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 ...
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3answers
199 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 ...
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2answers
159 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 ...
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2answers
53 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 ...
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1answer
135 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 ...
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1answer
86 views

HSA unemployement lump sum

What are IRS rules regarding employment termination and employee pre-tax lump sum contribution to HSA account? i.e. Jan 2019, Feb 2019 employee contributes 100 a week for total of $800 in HSA. ...
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3answers
131 views

High-deductible health plan. Deductible calculations?

Current PPO. Go to Dr. Rich for colonoscopy. On my explanation of benefits Dr. Rich charged 1k for colonoscopy, 1k for analysis, 1k for biopsy. My insurance says colonoscopy is contracted at $800, ...
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0answers
92 views

How does my current insurance work?

Sorry for the vague title, in case location matters this is done in Europe, Austria. And all of this was handled by the same agent. I will first write down what this is about and then ask the ...
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0answers
37 views

Health Management Reimbursement Accounts (HMRAs / HMAs)

I recently heard about an interesting alternative to HSAs called "Health Matching Account Services" ("HMRAs"/"HMAs"). However, most of what I can find out about them is on the very website of their ...
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1answer
32 views

Deductible Transfer changing to plan with higher deductible

Individual had Medical Plan with Deductible of $1300. Deductible was met within a few months of start of calendar year. Plan is on calendar year. Mid-year Individual changed plan within the same ...
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1answer
70 views

How can all medical expenses be deducted from taxable income for a business with owner and 1 other employee?

How would I best set things up so as to fully fund my and my employees healthcare and reduce taxable income. I am am considering forming an LLC or S-Corp but don't know the pros and cons in this ...
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1answer
931 views

How to read the benefits table

I am not a regular on this site, so I apologize if I have the wrong format, but I am having trouble understanding some of the health insurance benefits and costs tables that I am seeing in my search ...
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1answer
67 views

How to handle switching individual health insurance in the United States when frequently moving to different states and countries?

I have had the same individual California Blue Cross PPO insurance for the last 10+ years and I just moved to the east coast on July 1. My California insurance is paid up to the end of June. As I ...
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1answer
67 views

Maximum Allowed Amount not mentioned in the benefits, on a PPO health insurance plan

I believe i have an Anthem PPO 250 plan. One type of service only mentions a $1000.00 daily cap on rendered services. The only other mention of my responsibilities is a 30% copay for services out side ...
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1answer
75 views

Wife - HSA/HDHP -Husband traditional & HRA - wife receive $ from H HRA?

I currently have a HDHP/HSA individual plan through my employer. I have no coverage for health care and prescriptions, through my current plan until I meet my deductible of $3,000. After I payout $3,...
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1answer
94 views

Can I qualify for ACA subdisies if I don't have current employment income, but have interest/dividend income, other income and capital gains?

My understanding is that individuals with income < FPL don't qualify for ACA subsidies. I have made around 10-15k this year from a previous job, but currently don't have a job (by choice, but I ...
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1answer
92 views

Leaving a High-Deductible Health Plan (HDHP) during the year: can one still fully contribute to one's HSA? [duplicate]

Bob has a High-Deductible Health Plan (HDHP) and wants to maximize his contributions to his Health Savings Account (HSA). At some point during the year, Bob changes his health insurance from an HDHP ...
22
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4answers
6k views

Where can I get my girlfriend health insurance?

I have a girlfriend, she is not working, but in college at the moment. We live together, but are unmarried and have no kids. I have a considerable income of about $60k annually. We tried Medicaid, ...
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2answers
417 views

My medical insurance from my employer is extremely high. Could there be a possible mistake?

I am 26 years old and recently my employer changed to another insurance provider agency and the price went up ridiculously, at least for me. At this company the employer pay 50% of the insurance cost. ...
12
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1answer
2k views

Can I get private health insurance if my employer offers it?

I started a new job... The health insurance plan that is closest in comparison to my current plan is $300 MORE expensive per month. Coincidentally they cover $300/month (it's about $980/mo!!) so it'...
2
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1answer
72 views

HSA distribution for deferred insurance payment

My daughter recently started an orthodontics program that will last 13 months. We've covered the entire program cost up-front already. She is covered on my wife's insurance, and that will pay about ...
2
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1answer
73 views

How do ACA premium tax credits work?

As a "What if I lost my job?" budgeting exercise, I went to https://www.healthcare.gov/apply-and-enroll/health-insurance-plans-estimator-overview/ and punched in the numbers for me and my children ...
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1answer
146 views

Health insurance for psychological Skype consultations

I consult with an overseas psychologist via Skype. My current BCBS health insurance pays 80% when I visit my US psychologist. I don't know how to make the international health insurance since this is ...
2
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3answers
173 views

Pros/Cons of individual HDHP HSA's versus family HDHP HSA?

My wife and I deciding if we should keep individual HDHP with individual HSA's or be on the same HDHP and have one family HSA account. The insurance plan basically doubles the deductible and out-of-...
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1answer
80 views

Must I prove that I've paid the medical provider before receiving payment from the insurer?

I recently submitted some medical insurance claims to my medical insurer. They are requesting proof of payment of my medical bill since I'm requesting that I be paid, not the provider. Am I required ...
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2answers
4k views

Laid off. Had FSA overages that I wasn't aware of. Can they collect?

I was abruptly laid off, and I wasn't aware of the FSA overages until after my departure. I realize I'll sound like a weasel, but can they collect? They paid out more than the annual limit and they ...
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1answer
4k views

Can corporate insurance coverage continue even after resigning?

While working at a company in India, I was covered by a corporate insurance policy. Also, I was asked to pay the annual premium for including my parents to the policy. In December, I had to resign ...
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3answers
289 views

Which of these countries makes most financial sense? [closed]

Below are a list of countries I am considering moving to (from within Europe). My preference was initially the Netherlands, but I have read that the bureaucratic side of things can make moving there ...
12
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3answers
985 views

Is it possible to use my HSA for a payment I've already made?

I misplaced my HSA debit card, and while waiting for a new one was forced to pay a qualified health care expense out of pocket. Is there any way to use my HSA to cover the expense retroactively?
5
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1answer
195 views

Health insurance for family visiting from overseas

I have an aunt and uncle planning on visiting the US from China for a stay of 5 months (on a tourist visa with Chinese passport) and I'm wondering what insurance to get them. They're about 60 years ...
3
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0answers
67 views

Medical premiums vs. ACA premiums on tax return

I'm currently doing my tax return. In 2017, I paid 12 months of health insurance premiums out of pocket, on my own private plan bought through the Marketplace. In the tax return, it instructs NOT to ...
5
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1answer
121 views

Are Medicare premiums deductible on schedule C if you also have a secondary policy from previous employer?

My wife and I both receive Medicare parts A and B. We can not participate in previous employer's health plan as primary because we are on Medicare. However, we do participate in the employer's plan as ...

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