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
1answer
441 views

What's the difference between Aetna payflex and a regular health savings account

I'm currently enrolled in payflex has which doesn't roll over and constantly asks me for eobs to prove that my expenses are tax deductible. My mom told me that you can open up a HSA with your bank. ...
6
votes
1answer
2k views

How does the Spousal Surcharge generally work?

We are on my wife's health insurance policy. I have access to the insurance policy from my employer; however, for the past few years wife's policy was much better. This year wife's policy introduced a ...
2
votes
1answer
463 views

How should beneficiaries be chosen for accidental death & dismemberment insurance, given that I may or may not be alive when it is paid out?

I am signing up for accidental death & dismemberment insurance through my employer, but I'm a bit confused as to how to handle the beneficiaries for this. I have to choose the same beneficiaries, ...
1
vote
1answer
2k views

HSA contribution max for unmarried dual family coverage under HDHPs

Suppose two unmarried individuals each have independent family coverage HDHPs that provide coverage for both individuals. Irrelevant, but for simplicity, assume this family coverage is free of charge ...
3
votes
1answer
237 views

Do expenditures covered by copay assistance still count towards out-of-pocket maximums?

If I am on an expensive drug (say a biological specialty drug for Rheumatoid Arthritis or Multiple Sclerosis) and the maker of the drug gives me a copay card, does the cost of the copay for the drug ...
3
votes
1answer
739 views

HSA Employer Excess Contribution: W2 vs Other Income?

Form 8889 instructions state that excess employer contributions should be included in income on Form W-2. (Box 1 I assume?) If this is not done, instructions state that excess employer contributions ...
1
vote
1answer
600 views

Is a “personal health visit” a trap? [closed]

My health insurance company has sent me a letter telling me that they will give me a Visa gift card to go to a "personal health visit" at a pharmacy. They will: review your health history and ...
3
votes
1answer
632 views

How is employer HSA excess contribution taxed?

My previous employer made an excess contribution to my HSA account. They are not particularly interested in assisting me, so it looks like I will have to correct this myself if anyhow possible. If I ...
4
votes
5answers
427 views

Why is company provided health insurance tax free, but individual health insurance is not?

Why is company provided health insurance tax free, but individual health insurance is not? I do not understand the rationale for making health care contributions by companies non-taxable, but if an ...
0
votes
1answer
149 views

Why is HMO's requirement for a referral considered a draw back?

A major difference between HMO and PPO plan is that HMO requires a primary physician's referral before one goes to see a specialist. In practice, how big of a drawback is this? It does take one extra ...
1
vote
0answers
63 views

options for Healthcare and benefits for recently graduated PhD who is short-term unemployed?

I recently (2015) graduated from a PhD program in a very employable science/engineering major from a top three university in the United States. Due to some health and motivational issues (ones that ...
5
votes
3answers
328 views

Does the rise in ACA premiums affect employer-provided health insurance premiums?

So I hear a lot about rising premiums and that the ACA is the leading cause. Recently I heard that the majority of people still get their health insurance through their employer. Is there merit that ...
3
votes
2answers
287 views

Can doctors be selective in submitting claims to insurance company?

I was charged a fee for a service upfront stating insurance do not cover this service, but turns out it was not true, insurance company covers it. I called the doctor's office asking them to submit ...
4
votes
1answer
1k views

Made big mistake with my health insurance plan; can it be changed?

Recently, my company changed its health insurance providers or something like that. Basically, the company that we would be receiving our health insurance through changed. At this point as I sit ...
9
votes
2answers
738 views

Are there any benefits of FMLA beyond preserving your job?

I'm not positive this is the right forum for this, but it regards personal finance and company benefits, so it seems to fit, if not, please recommend another SO site that's more appropriate. I'm ...
1
vote
1answer
91 views

Is there any limit for Employer contributions in the Health Care Plan?

the contributions of the employer for the Health care plan is 100% or it is combination of both the employee and employer. what is the percentage? and the contributions of the employee is taxable or ...
2
votes
3answers
132 views

Affordable Care Act claim limits by plan tier [closed]

How often can an individual covered under each of the Bronze, Silver, Gold, and Platinum tier plans claim coverage benefits, and what are the coverage limits?
4
votes
1answer
224 views

Do high premium health plans make sense for those self-employed AND subject to the AMT?

As you may have guessed, I am self-employed and subject to the AMT. When evaluating health insurance plans for my family, I chose a high premium/low deductible plan so that I could take advantage of ...
2
votes
2answers
1k views

Am I formally insured during the COBRA election period if I ultimately choose not to elect coverage?

I have recently quit my job to freelance and I am now in a position where my old health insurance ends on 8/31, but my new health insurance can only begin as soon as 10/01. However, until 10/31, I can ...
2
votes
2answers
73 views

USA Health Insurance for Senior

I am US Citizen. A valid greencard holder lives with me. She immigrated to USA. I work and cover my family, not her (my mother in law). She is sweet lady and senior citizen, in relatively good health....
3
votes
3answers
313 views

Was this bill forgotten by a medical provider, and do notices need to be sent before collections?

6+ months ago I attended this physical therapy place for 4, 1 hour visits that were billed at 600$ each. I realized they were out-of-network and switched places. Checking my records I realized I paid ...
1
vote
1answer
54 views

Secondary medical insurance for aliens

I am an alien in the US and recently I had a change of employer. The medical insurance provided by my current employer is not so great. I want to cover off the expenses and the deductibles not ...
0
votes
1answer
74 views

Do Affordable Care Act business requirements apply to “control groups?”

The Affordable Care Act (a/k/a Obamacare) imposes certain requirements, restrictions and obligations on business entities. For example, businesses that employ over 50 full time workers must ... etc. ...
9
votes
3answers
1k views

Why do HSA qualifying plans have a max deductible?

In order to be eligible to make tax deductible contributions to an HSA account, you must have a qualifying HDHP (High deductible health plan). Among the requirements, is a deductible and max OOP ...
3
votes
1answer
79 views

Can I apply for a subsidized health insurance plan when I lose my job?

Up till now I've been paying for my own insurance as my employer did not offer it. I was paying $500 / Month which was not ideal but manageable while I was working ( my employer did not cover me ). I ...
3
votes
2answers
275 views

Canadian moved to US - Hospital charges for ER / ICU visit

Pretty new to US - came down from Canada recently. So, not used to the medical/insurance system here since everything is free up in Canada! My daughter had to go to ER a few weeks ago (in ambulance), ...
3
votes
1answer
739 views

Can an employer refuse to remove a spouse who recently acquired their own health insurance coverage?

My spouse recently took a new position with benefits. Where I have been providing benefits through my employer I contacted them and ask to remove my spouse. At first, they said not a qualifying ...
1
vote
1answer
312 views

Pre tax and and after tax on dental and eye vision insurance

If anyone can help me I would really appreciate it. In my Pay stubs I realize i get tax pre tax and post tax on both my dental and vision insurance? why is that? why do they take it out twice?
2
votes
2answers
71 views

Question regarding insurance in US

I was an international student and my insurance was covered by my university. I only need to pay the copay to see a doctor and everything will be covered. I am now working. My company is a big ...
4
votes
2answers
15k views

If I voluntarily change employers, can I keep my health insurance through COBRA?

I just accepted a new position at a different company. Awesome! But, I just had surgery (nothing too major) and hit the deductible on my HDHP. I'd like to keep my health insurance right now, since I ...
1
vote
1answer
63 views

Correcting HSA contribution due to transfer of children's HDHP

I contributed the max ($6,750 for family in 2016). Now a court has ordered that my ex-wife take over health insurance for the kids, so my HDHP will cover only me, making my contribution max $3,350 for ...
1
vote
1answer
151 views

Auto insurance medical expense payments

My auto insurance offers an option for 'Medical Expense Payments' which says it: Pays medical expenses such as surgery, x-rays, ambulance, and physicians, regardless of who was at fault. I ...
5
votes
2answers
1k views

Does a tax filer have to pay a “no health insurance” penalty for an adult sibling tax dependent?

My 28 year old sister lives with me. She doesn't work, and she goes to a local community college to study English for adults (the tuition completely FREE of charge). I fully provide for her. She has ...
2
votes
2answers
756 views

New 1099 employee with Cobra insurance

I've just started my new job as a 1099 employee having worked as a full time employee for 4 months. For health insurance I'd like to do Cobra since my family has already met their deductibles for the ...
0
votes
4answers
216 views

Should market based health insurance premiums be factored into 6 months emergency fund savings?

I know it's advised to save between 4 to 7 months of regular expenses for an emergency fund. What I'm not sure about is if health insurance premiums should be factored into those expenses? I'd be ...
3
votes
2answers
129 views

Where does ObamaCare factor into the US federal tax return?

It was in the press a lot that if you fail to buy an ObamaCare health insurance you will be fined. But I just filled up my tax returns, and I didn't see this question anywhere in the forms. So are ...
5
votes
1answer
957 views

What to do when a 1095-C is lying?

I have a friend who does her grandmother's taxes. She is asking me for advice, so I am asking this forum. Her grandmother is a full-time hourly W-2 employee who, based on her income, qualifies for a ...
2
votes
1answer
101 views

Unpaid claim by insurance patient responsibility?

So my mom took my 11 year old brother to the dentist to get a crown done in March 2014.she paid the patient portion and everything else was supposed to be covered by the dental insurance. Since then ...
2
votes
2answers
1k views

Choosing between an HSA and PPO

I need to choose between a PPO and HSA plan offered by my employer and it seems like the "obvious" choice is the HSA plan but I fear that I am missing something that will come back to bit me later. ...
1
vote
1answer
449 views

Does out-of-pocket maximum still apply for out-of-network (not covered) doctors?

(in the US) If I have a doctor that is not in my health insurance's network (and so listed as Not-Covered), or if my doctor prescribes a drug that is not covered, I understand the insurer will ...
1
vote
2answers
2k views

Health insurance deduction on schedule C if also full time employee with w2?

I'm a full time employee of a small company that does not provide any health insurance benefits. As a result I purchase my health insurance as an individual. In addition to my full time work where I ...
2
votes
1answer
294 views

Confusion over repayment of Advance Premium Tax Credit

In the beginning of 2015 I received financial assistance with my health insurance premiums in the form of the Advance Premium Tax Credit. By midyear my income had increased substantially and I no ...
6
votes
2answers
383 views

Medical bill in collections

I am a college student that had surgery in 2014 on my gallbladder and subsequently became very ill and needed a necessary test to prove a a diagnosis my gastroenterologist suspected. He recommended ...
2
votes
1answer
80 views

If I only have international health insurance will I be fined by not having Minimum Essential Coverage?

I am an international student holding an F-1 visa, and I am working part time where I cannot apply for the employer health insurance. I only have international health insurance (bought in the US) and ...
1
vote
2answers
45 views

Continue with old Health policy with current employer

I am from Indiana. I want to change my current Employer. I have a Group Policy from my current Employer. So I want to ask that Can I continue with my Old Group Policy with new Employer..?? or have to ...
2
votes
0answers
111 views

Are gifted health insurance premiums tax deductible for the recipient?

Amanda paid some health insurance premiums for Bill in 2015. The payments were made directly to the insurer and intended as a gift to Bill. Amanda doesn't have to report payments for medical ...
0
votes
2answers
57 views

Employer Tax Contributions Pre-Tax for Contractors?

I'm currently working for an employer who contributes to my health insurance plan (they pay the plan directly, rather than reimburse me). I've just received my W-2, where it looks like they've ...
3
votes
2answers
235 views

Using two health insurance providers?

When I was hired I chose to be included in the company's health insurance policy and to have an HSA opened since my company makes a yearly contribution. However, I am still under 26 and could be ...
5
votes
1answer
7k views

Doctor's office won't submit claim to insurance after 5 months

I visited a doctor in August of 2015 that was in-network. They required me to pay for the services up front (in cash, btw). I should have known that was the first red flag, but I needed a prescription ...
17
votes
3answers
60k views

Can I use an HSA to pay off medical debts incurred before the HSA was funded?

Let's say that in year A I had a medical insurance plan without an associated health savings account, and incurred some medical expenses (co-pays, deductibles). I didn't pay them that year; they may ...

1
3 4
5
6 7