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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3
votes
1answer
646 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 ...
3
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4answers
461 views

Why it is recommended to have High Deductible Health Insurance and to have HSA - Max out the pocket?

Why it is recommended to have High Deductible Health Insurance and to have HSA - Max out the pocket? I am not able to understand the benefit of having High Deductible Health Insurance and HSA.
3
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2answers
109 views

HSA - do I have to contribute to my account?

I am on my employer provided HDHP with an HSA and have been for 4 years. I have only contributed to my HSA account for a few months last year. I never go to doctors. Our new H/R person is now ...
3
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3answers
277 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 ...
3
votes
2answers
838 views

Can I make modifications to my health coverage enrollments after 30 days after joining my first company?

I recently took up a job in CA (the hustle-bustle place) after completing my PhD. I was on F1 during my studies and now I am on OPT. At the time of my joining, I was given a 30 day window by my ...
3
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3answers
353 views

Does it make sense to look for medical plans outside “Obamacare”?

Does it make sense to look for medical plans outside of the ACA Exchanges (such as the https://calheers.ca.gov/ in California), or are those as good as it gets? If it's illegal for the insurer to ...
3
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2answers
357 views

How do “family” deductibles work on US health insurance policies?

In the past, I have had individual health insurance. If I had a $1000 deductible, that meant that I had to pay the first $1000 of my health expenditures each year. Next year, I expect to have a ...
3
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1answer
96 views

For the purposes of Obamacare, what really counts as income?

So, I need to raise my income slightly to hit the minimum income for the Obamacare premium tax credit. Do any of these count for income? I sell broken cell phones I bought off eBay (fixed, of course....
3
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1answer
1k views

Can COBRA-premiums be paid for pre-tax?

I have the option to remain on the previous employer's COBRA for the foreseable future. Their plan is much nicer than what my new employer is offering while being only a little more expensive. ...
3
votes
1answer
168 views

Should I pick a company paid premium or company paid deductible health insurance plan?

I am switching companies in a month. Here is my current health insurance and here are my two options for when I switch (Note that I have a wife and infant child): Current: Shared premiums at $310 ...
3
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1answer
111 views

Do providers usually negotiate fees with insurance companies to incentivize the use of insurance?

My question is specifically about dental insurance, and I believe this is the right place to ask about it. If not, I would apologize. I'm a student of an university whose dental clinic I frequent. I ...
3
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2answers
250 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
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2answers
180 views

Tips for insurance coverage for one-man-teams

I'm a solo software developer and would like to find some reasonable health insurance for myself. My wife has a job which allows me an opportunity to participate in her insurance group, but it is a ...
3
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1answer
74 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 ...
3
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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 ...
3
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2answers
1k views

Can I keep my HSA if I get on husband's insurance?

My husband and I recently got married and are wondering what to do about health insurance. I am currently with a company that offers a plan with the option to put funds in an HSA or FSA. My husband'...
3
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2answers
163 views

How can I make sure that I don't pay a copay that is more expensive than over-the-counter when buying drugs in the United States?

I read this comment written by Dilip Sarwate: It sometimes depends on the circumstances. If your doctor tells you to take one 81mg tablet of aspirin as a countermeasure against future heart ...
3
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1answer
121 views

Affordable Care Act subsidy effect on taxes after Income Gains

Suppose an individual signed up with an insurance plan from the ACA between January to August of 2016 with an estimated income level of $23K annually that qualified this person for a subsidy. In ...
3
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2answers
2k views

Having two different employer healthcare plans

I currently have two healthcare plans, one is United Health Care and one is Anthem Blue Cross. I'm able to get my health insurance in full from my old job which is why still have it(ABC). Anthem Blue ...
3
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1answer
107 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 ...
3
votes
1answer
97 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 ...
3
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1answer
77 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. ...
3
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1answer
90 views

Health insurance deductible for self-employed equal to employer tax deduction?

As I understand it, premiums for employer heath plans are taken out of costs so they are inherently tax free. In other words they are not consider "income" for the employee. For a self-employed ...
3
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1answer
97 views

Interaction between health exchange and under-65 Medicare coverage

I purchased platinum-level family coverage on the healthcare exchanges this year. Shortly after the start of the year, my wife's disability application was approved (after ~2 years in progress) and ...
3
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1answer
8k views

What are some FSA eligible expenses that can be used for baby care?

I signed up for a Flexible Spending Account (FSA), and am now trying to figure out what all is covered under it. I know some of the basic products like band aids and glasses are, but I'm really ...
3
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1answer
57 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 ...
3
votes
1answer
112 views

Personal health insurance vs. Employees group insurance

I am having a dilemma on what action I should take with regards to my insurance plans. I am working for a company which provides employee group insurance (group plan) as my employee's benefit. However,...
3
votes
1answer
549 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 ...
3
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1answer
77 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
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1answer
59 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 ...
3
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1answer
93 views

Health insurance for months not in the US?

I was in the US from 2010 - July, 2016, and had health insurance all the time. In August, 2016, I moved back to my home country for good - but technically I still count as a resident alien for 2016 in ...
3
votes
1answer
230 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
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1answer
655 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 ...
3
votes
2answers
198 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 ...
3
votes
2answers
226 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 ...
3
votes
1answer
115 views

When must a health insurance plan provide contraceptive coverage under PPACA?

I'm having a hard time deciphering PPACA as it relates to contraceptive coverage. It seems that all plans that begin after August 2012 must provide it, but there is a "grandfather" clause that allows ...
3
votes
1answer
59 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 ...
3
votes
0answers
60 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 ...
3
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0answers
99 views

Health Insurance: Why use the iterative calculation method?

Context Self-employed Bought health insurance through a health insurance marketplace All premiums for the entire year were "specified" (nothing "unspecified") Need to calculate the the amount of ...
3
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0answers
24 views

If I am eligible for employer sponsored insurance which doesn't offer coverage in my state, can I still get an APTC on the exchange?

Normally if an employer offers "affordable" coverage that meets minimum standards, employees eligible to participate no longer qualify for an Advance Premium Tax Credit, even if they want to turn down ...
3
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0answers
242 views

Are there tax implications of refund of overpayment from HSA? [duplicate]

possibly related: How do I correct an HSA distribution when I was refunded by a health provider?, Can I get a rebate after using my HSA? (But I don't really understand the topic and those questions ...
3
votes
0answers
718 views

Change in health care deductible with newborn

My wife has health coverage (different from mine) through her employer. Her deductible is $1300. In May my daughter was born. Until then my wife incurred a lot of expenses and met the deductible. ...
3
votes
0answers
142 views

How do I gracefully transition from a standard medical plan to an HDHP with a non-calendar plan year and multiple FSAs?

My family is on my wife's insurance and FSA which is on a non-calendar plan year (June to July), with the additional FSA through my employer which is on a standard calendar plan year (January to ...
2
votes
2answers
437 views

Continuing group health benefits from old employer after resigning

I will be resigning from my current employer next week and moving to another company: the new employer is a much smaller fabrication company and does not have as good health insurance. For example, ...
2
votes
2answers
156 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 ...
2
votes
1answer
360 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, ...
2
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3answers
130 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?
2
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2answers
144 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
80 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 ...
2
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3answers
369 views

When should both spouses get benefits from their jobs?

My wife and I get medical, dental, and vision benefits through her job. Generally we've been pretty satisfied with them. Now for the first time, my job is offering health, dental, and vision as well. ...