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
4
votes
1answer
313 views

What kind of insurance would cover death/disability for organ donors?

Let's say I'm going to be a living donor for a relative. I'm about to willingly undergo major surgery with known (albeit low) risks. I will be taking on significant debt to pay for the whole thing. I ...
4
votes
2answers
315 views

Single employee - paying for health insurance premiums with pre-tax money

I am about to join a new US company and will be the only employee for a while. I am not a shareholder or anything similar. The employer cannot offer a group health plan as they normally require at ...
4
votes
2answers
193 views

How to pay for Alzheimer's care?

My mom is on the early stage of Alzheimer's, but I'm aware of the fact that "early" won't be forever. What are some of my options for financing the cost of my mother's care when the time comes? I am ...
4
votes
1answer
222 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 ...
4
votes
2answers
2k views

Time limit for health-insurance to pay doctor bill and send EOB

I'm in the middle of another dispute between an in-network doctor's billing office and my health insurance company (HIC). My health insurance has not yet paid the bill due to a dispute over some ...
3
votes
5answers
473 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 ...
3
votes
6answers
385 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 ...
3
votes
3answers
4k views

How to respond to collections regarding medical bill your insurance hasn't paid?

Last year our medical insurer froze my wife and children's account and refused to make any payments to any providers until my wife, her doctor, and possibly some of her other providers filled out a ...
3
votes
2answers
128 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 ...
3
votes
2answers
1k views

Is it too late to file a health insurance claim (for last year)?

My primary insurance was with Aetna and that ended Dec 31, 2016. I have bills from Dec 15,2016 That were not filed...it is too late to file them?
3
votes
1answer
710 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
votes
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
votes
4answers
471 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
votes
2answers
110 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
votes
3answers
285 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
842 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
votes
3answers
358 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
votes
2answers
364 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
votes
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
votes
2answers
269 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 ...
3
votes
1answer
107 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
votes
1answer
101 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 ...
3
votes
1answer
2k 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
116 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
votes
2answers
271 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
2answers
182 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
votes
1answer
86 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
votes
1answer
111 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
votes
2answers
2k 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
votes
2answers
165 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
votes
1answer
122 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
votes
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
votes
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? ...
3
votes
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 ...
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 ...
3
votes
1answer
80 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
votes
1answer
91 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
votes
1answer
104 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
votes
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
votes
2answers
201 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
votes
1answer
58 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
117 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
580 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
votes
1answer
78 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
1answer
50 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 ...
3
votes
1answer
254 views

I have a dental health policy and I have a general health policy that includes dental. Can I claim on both?

I had to have a crown for £500. I claimed through the specialist dental insurance. They paid out £350. Can I now claim on the other general insurance policy for the £150 that wasn't covered? I know I ...
3
votes
1answer
61 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
votes
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
235 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
677 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 ...