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
348 views

compromise between 100% insurance and no insurance? (long term view)

Assume you can get private health insurance for different premiums, and they cover any directly health related costs (hospital stay, needed medicines, physiotherapy etc.) up to a maximum amount. It is ...
1
vote
2answers
89 views

Do I need an HSA in order to purchase an HSA health plan?

I live in New Jersey and am buying insurance through the healthcare.gov marketplace. Some of the plans are marked 'HSA'. Can I purchase these plans even if I don't have a health savings account? (...
1
vote
2answers
126 views

Can I deduct the cost of an out-of-pocket medical visit on my taxes?

Say I visit a specialist -- like an orthodontist -- without any insurance. I pay for everything out-of-pocket -- no insurance/deductibles/payment sharing plans/etc. I pay several thousands for the ...
1
vote
2answers
407 views

Who is supposed to do the preauthorization for an MRI in the USA?

Who is supposed to do the preauthorization for an MRI in the USA? Is it the responsibility of: the physician who prescribed the MRI the medical center where the MRI is performed the patient, who ...
1
vote
2answers
143 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 ...
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 ...
1
vote
1answer
237 views

Are health insurance premiums obtained through ACA deductible for the self employed?

This IRS article, and this answer on money.se seem to indicate that health insurance premiums are deductible for the self employed. However, turbo tax, when entering this deduction, specifically warns ...
1
vote
1answer
2k views

Avoid Paying COBRA Premiums When Unused

I would like to avoid paying for Cobra insurance for a month between jobs if I do not use the insurance. It would not be a lapse in coverage for preexisting condition purposes. Basically for the ...
1
vote
1answer
150 views

How to start disability insurance when already disabled?

I'm not entirely certain this is the right place for this question, but I can't think of anywhere better either, so here it goes. I am currently suffering from moderate-severe depression and anxiety, ...
1
vote
1answer
476 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?
1
vote
1answer
52 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 ...
1
vote
1answer
449 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 ...
1
vote
1answer
268 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?
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 ...
1
vote
2answers
194 views

What happens if I can't pay money to my health insurance company?

I have a health issue for which I have to go into treatment for 4 to 6 weeks. When I called my insurance about the benefits, I was told that after treatment, I will owe $5000 to my insurance company ...
1
vote
2answers
100 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 ...
1
vote
1answer
2k 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 ...
1
vote
1answer
2k views

Paid every two weeks but health insurance premium is listed as monthly

My husband gets paid every 2 weeks. I would like to know do they divide his health insurance payment between the 2 checks. It says per month on his paper work.
1
vote
2answers
570 views

Opening an HSA mid-year: how much can I contribute to it?

I opened an HSA account in the United States during the year: what's my maximum contribution? Is it the annual maximum (i.e., 3400 USD in 2017), or should I prorate (e.g., if I started at the ...
1
vote
2answers
460 views

How does the Affordable Care Act (ACA, aka Obamacare) work?

For people purchasing insurance over the exchanges are the savings factored into the cost that they'd be paying already or are they tax credits? ie. if you have a $1,000 USD plan and was going to ...
1
vote
1answer
339 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. ...
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
377 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
1answer
6k views

Dual coverage and HSAs

Both my wife and I are currently (2015) covered as dependents under our parents' health plans. I'm 100% sure that both plans are HDHPs. I'm currently in open enrollment for my employer, and I want to ...
1
vote
1answer
105 views

What is the reasonable amount yearly for a Hospitalization + Disability Income + Critical Illness Insurance?

I live in Singapore. I'm in my mid-20s and I currently have medical insurance that covers hospitalization bills. This amounts to roughly USD 250 per year. However, I lack Critical Illness insurance ...
1
vote
1answer
110 views

Health Insurance and Disability Question

Country: United States; State: TX Tax Info: Filing separately Spouse: Employed (client-based business); Me: Self-Employed and work for a corporation. My spouse recently had a medical issue that will ...
1
vote
1answer
54 views

Understanding Premium increases in Long Term Healthcare policies

Question confined to Long Term Healthcare policies that provide a fixed daily benefit (unrelated to cost of care) over a fixed number of months. In trying to explain why a premium increase (of 50%) ...
1
vote
1answer
88 views

Deducting self-employed ACA health insurance premiums paid for next year

I'm self-employed and paid my January 2019 ACA health insurance premium at the end of 2018. I assume I can deduct this on my 2018 taxes since I use the cash accounting basis. But what if my 2019 ...
1
vote
1answer
64 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....
1
vote
2answers
408 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. ...
1
vote
1answer
158 views

Opened HSA that I am not eligle for… How do I get rid of it without getting in trouble?

In order to keep my insurance coverage through my husband's employer I was forced to sign up for my employer's High Deductible Health Plan. My employer knew I was keeping my other coverage but told ...
1
vote
1answer
102 views

Transferred money to HSA but need it back

I transferred money from my checking to my HSA and now I realize I need it back but not for medical expenses. I usually do direct deposits but I needed some of that money for medical because my ...
1
vote
1answer
253 views

could having two dental plans increase my annual limit?

I have one dental insurance policy with an annual limit of $2,000. Unfortunately, I'm looking ~$4,000 of dental expenses coming up (due to a bunch of years of neglect on my teeth), which would leave ...
1
vote
1answer
1k views

FSA Limits after switching employer, employer has non-calendar benefits year

I have recently left a job in mid January where I had signed up for an FSA in the previous election period. At the end of January I also enrolled in an FSA. I found out that at my new company, the ...
1
vote
1answer
66 views

Can I buy dependents their own health care plans?

I'm shopping for health care plans in the US. I'm young and don't have any history of illness. I would be fine with a "bronze" plan. I would want my wife and child to be on a "gold" plan, however. ...
1
vote
1answer
1k 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 ...
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 ...
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 ...
1
vote
1answer
149 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 ...
1
vote
1answer
242 views

How can I find out what USA Medicare would have paid?

I am trying to advise a relative on whether to drop a Medicare Advantage plan and just have straight Medicare. They advertise that you need their plan because Medicare only pays eighty percent, but ...
1
vote
1answer
143 views

How to choose basic health insurance in the Netherlands?

I'm a student and I'm about to start working in the Hague in a few months, and I am obliged to obtain a Dutch health insurance plan. Is there any cheap basic choice? I found out that most insurance ...
1
vote
1answer
72 views

Taxable status of health insurance premiums for family under new health care law

My question is pretty much the same as this question, (and there are some older questions of the same nature) but well over a year has passed since it was answered, and with the new health care laws ...
1
vote
1answer
524 views

Work as a contractor for my current employer rather than become a full time employee after my graduation for health insurance continued coverage

I intend to run my side business full time soon and was wondering whether it would be prudent to continue to be a contractor for my current employer rather than become a full time employee after my ...
1
vote
0answers
23 views

Am I reading the HDHP rules correctly? [duplicate]

I'm puzzled by the rules for High Deductible Health Plans. For 2019, the IRS defines a high deductible health plan as any plan with a deductible of at least $1,350 for an individual or $2,700 for a ...
1
vote
1answer
141 views

Car Insurance - Uninsured Motorist Bodily Injury With Personal Health Insurance

I have comprehensive health insurance with a relatively low out of pocket. I noticed that the "Uninsured Motorist Bodily Injury" add-on for my car insurance has limits of $100,000 / $300,000. In the ...
1
vote
0answers
90 views

Health insurance payment does not match up explanation of benefits. What's going on?

My wife and I utilized the services of a chiropractor who happened to be out of network with my insurance provider (will name in an edit if it is important). My Explanation of Benefits says that out-...
1
vote
1answer
48 views

Individual Mandate Penalty for a Resident Alien who left the country in August

I am an F1 student who was in the United States from September 2011 till August 2018. I completed my coursework in May 2015, and stayed in the US for another three years under the OPT provision. I ...
1
vote
0answers
28 views

Question regarding reporting medical insurance, interest income and my address because of part-year stay in the US

I am seeking urgent assistance with my US tax filing (with TurboTax) for 2018 concerning part-year residency. I lived in the US between Jan-August and left the country for good thereafter. Keeping ...
1
vote
0answers
50 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. ...
1
vote
0answers
89 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 ...