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
2
votes
2answers
353 views

Is the co-pay the same regardless of where the drug is purchased in the United States?

In the United States, with a given US-based health insurance and for a given prescription drug, is the co-pay the same regardless of where the drug is purchased? In other words, I have insurance X ...
2
votes
1answer
193 views

Dad wants to retire…how can I help insure him

My dad turned 63 and has decided he wants to retire. Without going into too much details his new boss has been rough on him. More info here https://workplace.stackexchange.com/questions/44079/father-...
2
votes
1answer
84 views

Are you eligible for COBRA more than once?

I was laid off and used COBRA for 7 months. Started a new job and was employed for 6 months, quit the job because we moved. Am I entitled to COBRA again from the second job?
2
votes
2answers
121 views

Option for health insurance coverage when going back to school in 30s

Specifically for health insurance coverage: What are ones options when going back to school full-time in their 30s? Do schools provide any sort of coverage plans, if so are how do they compare to a ...
2
votes
1answer
3k views

EOB says I owe $4500 but provider says I do not

So I have this weird situation where I went to the dentist for a root canal and they filed a claim for my insurance. Now, on the EOB they've charged an excessive amount of money ($1500 for xrays) and ...
2
votes
1answer
107 views

Health insurance premium tax deduction if I'm a W2 with an employer who offers no insurance?

I'm currently self-employed as an LLC (USA) with a sole proprietor tax structure. I have private health insurance and I enjoy the tax deduction for my premiums. However, I have an opportunity come ...
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 ...
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. ...
2
votes
2answers
98 views

Best method for paying out of network licensed professional counselor?

I am interested in a specific LPC (Licensed Professional Counselor) because I like their model and services, but they are out of network. I have very limited understanding in the medical/insurance ...
2
votes
1answer
64 views

Is it preferable to visit out-of-network medical providers before reaching the in-network deductible when max between in- and out-of-net are combined?

In the United States, some health insurance plans are designed so that the submitted expenses accumulate towards both the in-network and out-of-network deductibles (sometimes referred to as combined ...
2
votes
1answer
88 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 ...
2
votes
3answers
122 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, ...
2
votes
2answers
301 views

Is there a difference between “Coinsurance” and “Coinsurance after deductible”?

I'm looking at plans on the coveredCA site, and I see both terms used. However, my understanding is that coinsurance only kicks in after the deductible has been paid anyways, so "coinsurance after ...
2
votes
2answers
803 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
70 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....
2
votes
1answer
128 views

Health care billing concerns

Over the past year I had my first experience with health care billing issues other than just paying my monthly bill. Something happened billing-wise recently that concerns me. I'd like to get feedback ...
2
votes
1answer
109 views

Hospital charged me for more than insurance claims that I owe

I recently had a medical procedure done that had a number of diagnostic tests leading up to a surgery. All of the various bills from that went through insurance, with me paying the out-of-pocket ...
2
votes
2answers
135 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 ...
2
votes
1answer
64 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
votes
1answer
73 views

Can I use foreign health insurance for US taxes?

I am a US citizen living abroad, and I have government-provided health insurance (that is, provided by the government of the country I live in). Does this qualify as health insurance for the purposes ...
2
votes
3answers
138 views

Which types of insurances do I need to buy?

I work in a MNC in India and can save up to Rs.10000 per month. My parents and sister are dependent on me. I like to use this 'extra' money to buy insurance for any contingencies. So far, I have a ...
2
votes
1answer
141 views

cobra insurance

I retired this year, my last day of work was 4/4/15. due to unused pdo time I was on payroll until 6/19/15. At the end of August I recieved info from cobra about continuing my insurance/ I ...
2
votes
1answer
170 views

HSA contribution and self HDHP

I enrolled in HDHP plan starting 2014 Nov 3rd. I also have an employer sponsored HSA plan, where my employer contributed $250 towards the 2014 limit in Jan 2015. Before this I never had an HSA account....
2
votes
1answer
886 views

Deduct Health Care Premiums for Family When Employer Only Pays for Me

My employer offers insurance coverage, pays a substantial amount for me, but pays nothing for my spouse or my children. The difference in cost is around $127/month for myself and $1,330/month if I ...
2
votes
2answers
77 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?
2
votes
1answer
81 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 ...
2
votes
1answer
100 views

Can I enroll in health insurance out of enrollment period (USA) if I didn't realize I had become a US resident for tax purposes?

Context: US non-residents don’t have to have health insurance, and are not fined. I became a US resident alien for tax purposes in Jan 2017 (automatically triggered based on the time I’d spent in the ...
2
votes
1answer
1k views

Does a CDHP plan count as an HDHP plan?

I have a CDHP health insurance plan that comes with an Health Savings Account. As I'm filing my taxes, Turbotax has informed me that my HSA is being additionally taxed because I do not have HDHP ...
2
votes
2answers
596 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 ...
2
votes
1answer
97 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

Should I Purchase Health Insurance Through My S-Corp

I currently have an S-Corp, of which I am the only employee. As of this year, I started purchasing my own health insurance through healthcare.gov. In previous years, my wife and I were insured ...
2
votes
2answers
416 views

Flexible Spending Account & Job Change

I worked full-time for Company A from 01-01-14 to 03-14-14. I still work for Company A as an hourly, unbenefitted employee. I started full-time with Company B on 03-24-14. The insurance coverage for ...
2
votes
1answer
214 views

How to Deduct Family Health Care Premiums Under Side Business

I am an employee of a company and I have health insurance through them, pre tax. My company only pays for me so I have private insurance for my wife and kids. I also have a side business, and was ...
2
votes
1answer
122 views

American (Private) Ankylosing Spondalytis Health insurance costs compared to the British NHS

I'm a sufferer of Ankylosing Spondalytis, and a resident of the UK - my health care is handled by the National Health Service (NHS). Now in the UK seems to be increasing move to privatise it's health ...
2
votes
1answer
65 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,...
2
votes
1answer
66 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 ...
2
votes
3answers
148 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-...
2
votes
2answers
326 views

Why would anyone choose this PPO over PPO HSA?

The health insurance plan below has the following fees for an employee only coverage (excluding spouse + children plans to keep it simple): PPO 250: $605/mo ($7260/yr) PPO 2250 HSA: $351/mo ($4212/yr)...
2
votes
1answer
118 views

If I have a high-deductible health plan, is there any reason not to take HRA?

From Wikipedia entry for HRA: "a type of US employer-funded health benefit plan that reimburses employees for out-of-pocket medical expenses" (bold is mine). It sounds too good to be true, but does ...
2
votes
1answer
551 views

HSA penalty with Medicare part A

I just retired from my job at age 65 effective 3/31/17. I was contributing to an HSA up until 3/31/17. SSA says I will be penalized if I start taking my Social Security benefits now because SSA will ...
2
votes
1answer
239 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 ...
2
votes
1answer
79 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 ...
2
votes
1answer
236 views

Can a person who has Medicaid buy a discounted dental insurance plan?

We live in Arkansas. My dad has Medicaid. However, it turns out most dentists do not accept Medicaid, and those that do, provide a limited number of services . So, I tried to purchase a dental plan ...
2
votes
2answers
1k views

Calendar year changes and Out-of-Pocket reset

I have been with a School District for three years. This last year I had major surgery. I met my deductible and by August I reached my OOP max. In September the district got a new plan. They made ...
2
votes
1answer
201 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 ...
2
votes
1answer
103 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 ...
2
votes
0answers
44 views

Why do HDHPs have a maximum out of pocket? [duplicate]

I understand minimum deductibles (to ensure HSAs are only used with cheaper plans) but why the maximum out of pocket? It is worth noting it is different form the general maximum out of pocket of ...
2
votes
0answers
239 views

How does Medicaid compare with private insurance on Healthcare.gov?

How Obamacare works is that if your income is sufficiently low, then you can get Medicaid. And if your income is too high to be eligible for Medicaid, then you'll get a Premium Tax Credit (aka the ...
2
votes
0answers
100 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 ...
1
vote
3answers
133 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 ...