Questions tagged [healthcare]

For questions related to health care costs and paying for them. A country tag is almost always important to add alongside this tag.

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11 votes
3 answers
3k views

Can you just cancel a health insurance plan and buy a new one at any time?

So I need to buy insurance for myself. I picked one of those plans where you pay a huge premium monthly and also get to pay for all the healthcare too. My question is, can I just cancel my plan and ...
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3 votes
1 answer
121 views

Is the hospital illegally using "balance billing" of primary and secondary health insurance to charge us too much?

My wife and I live in New York City and recently we had a baby and my wife stayed in the hospital for two nights. She has insurance through her employer, which is her primary insurance, and she is ...
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5 votes
1 answer
1k views

From a customer standpoint, does it make any financial difference to go to a non-profit hospital or a for-profit hospital? [closed]

From a customer standpoint in the US, does it make any financial difference to go to a non-profit hospital or a for-profit hospital?
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0 votes
2 answers
204 views

Prior to COVID-19, had any country fiscally targeted unvaccinated individuals? [closed]

Upon reading that Quebec may impose a health tax on unvaccinated Canadians, I wondered the following: Prior to COVID-19, had any country fiscally targeted unvaccinated individuals?
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1 vote
0 answers
126 views

If I meet my Out-Of-Pocket Maximum, but not my deductible then what happens to my medical bills?

Out-Of-Pocket Maximum is the amount you pay including any cost sharing payments such as coinsurance, copayments and deductible amounts. Usually copayments don't get counted toward deductibles and ...
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  • 271
1 vote
1 answer
33 views

How to find information for premium increase trends?

Each year, I find that the premiums on the Affordable Care Act (ACA) Marketplace increase on my chosen plans by a large amount. Since I qualify for maximum assistance when I choose a plan, when a 1% ...
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  • 271
33 votes
2 answers
4k views

Do I have to pay a medical bill when the ER never submitted it for an insurance claim?

My husband went into cardiac failure while we were traveling. He was taken by ambulance to the nearest hospital ER. I gave his insurance information at the time of service. About a month later, I ...
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1 vote
1 answer
72 views

Will my surgery bill be covered by Medicaid if I just started a new job?

I had a knee surgery while i was on medicaid. The hospital hasn't billed me for the surgery yet. I will start a new job soon. Will Medicaid still pay for that surgery?
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5 votes
2 answers
1k views

Does my new insurance plan have to pay for my pre-scheduled surgery (it normally covers this surgery)?

I am 25 and on my parent's plan until I turn 26 on December 25, 2020. It has pre-authorized me for a surgery which is currently scheduled for November 17. However I want to reschedule it to after I ...
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5 votes
1 answer
90 views

Wrong Cancellation of Medical Insurance

I enrolled in medical, dental and vision during open enrollment. I saved the summary after I submitted. The summary shows all my elections. Insurance was supposed to start on September 1st. I received ...
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  • 51
4 votes
1 answer
373 views

For medical charges, how much does insurance company pay?

I had a doctor visit with a specialist recently, and my insurance company gave the following explanation of the claim: Service charges: $522 Health Plan Allowed Amount: $157.64 Deductible: $157.64 ...
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0 votes
2 answers
82 views

Do doctors get paid by insurance if the patient received services but didn't pay their deductible, co-insurance, etc?

Don't think there is a need for any additional information. Spirit of the question is to understand some details of what doctors have to go through in order for their services to get settled by the ...
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  • 271
2 votes
0 answers
82 views

Is it wise to have two health insurance plans?

I have not come across many articles discussing this topic, but I am guessing if it wise to have multiple health insurance plans. For example if there are two top health insurance plans. If I wanted ...
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  • 303
1 vote
2 answers
57 views

Health Insurance + Salary Calculations

Whats a good percentage of my salary to set aside for health insurance in California? I'm currently looking into a new job which doesn't offer healthcare or dental so I'm trying to figure out how my ...
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  • 383
-3 votes
2 answers
108 views

Where can I find a highly detailed model for how a normal US health insurance companies sets premiums?

I found this, and it was a great starting point for research but I would like to learn about the nitty-gritty details. For example, obesity is not considered a "pre-existing condition" and is often ...
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8 votes
3 answers
408 views

How to determine how much to keep in a health savings account

We are a family of healthy people (30s/40s, kids in elementary/middle school). I've got an automatic contribution for my health savings account. The balance grows and grows. We've barely had a chance ...
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2 votes
1 answer
136 views

Is it income and if so what kind?

Last year, I got a nasty case of food poisoning. I was so violently ill I literally couldn't think straight. The only thing open was the emergency room so that's where my family took me. They ...
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  • 21
0 votes
1 answer
45 views

Premium tax credit repayment - below poverty line

So when we where signing up for 2018 healthcare. We estimated we would make enough money to qualify for the APTC...and not to much to not qualify for it..In Colorado in 2018 you had to make above a ...
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  • 3
3 votes
4 answers
2k views

Does an HSA have to be used exclusively for medical expenses

I had an HSA last year. This year I have health insurance through ACA. Does the HSA money have to be used exclusively for medical expenses?
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4 votes
2 answers
306 views

Can my employer change my HSA account to a HRA account?

I have a HSA through which my employer gives me $1000 a year. When I turned 65, I decided to bypass Medicare so I could keep my HSA, employer contribution, and my monthly contribution. Now at 67 I am ...
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  • 41
6 votes
1 answer
347 views

What is the benefit of a private healthcare insurance in the UK?

Context I am a alien living in the UK (England, more precisely). I have right to permanent residency, (so) I benefit from the NHS. As background for those not familiar with the UK, all health ...
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  • 1,083
3 votes
1 answer
117 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 ...
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  • 133
0 votes
4 answers
244 views

Can you purchase medical/dental insurance after you know you will use it?

Currently I do not have dental insurance with my job. I just found out I need some major work :( Can I still get dental insurance and have it save me money? I know it's possible to get dental ...
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  • 1,109
-1 votes
1 answer
40 views

Which tax year for healthcare bill if incurred and paid in different years

If I get healthcare bills in 2018 but pay them in 2019 to which year’s tax returns do they belong?
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  • 1
0 votes
1 answer
66 views

Coordination of Benefits With Multiple Health Insurance

I would like to understand how two health insurance companies will co-ordinate their payment. Let's take the following example a person with the following coverage: Primary health insurance: (...
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1 vote
1 answer
46 views

S-Corp - Small Business Health Options Program (SHOP) vs Individual Policy Through Marketplace For One Person

I have a one person S-Corp. I am currently purchasing an individual health insurance plan through the federal marketplace, but would like more plan options. I know that SHOP (Small Business Health ...
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2 votes
3 answers
3k views

Does Dependent Care FSA limit reset if I change jobs?

Let's say I have contributed and used $5,000 in 2018 for my dependent care FSA. Late in the year, I get a new job. Can I contribute to the new account for 2018? According to Zenefit, the healthcare ...
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  • 119
1 vote
1 answer
321 views

HSA debit overlaps PreAuthorization

I just checked my HSA account after using my debit card for a bi-annual dental cleaning, and the numbers weren't adding up for my expected balance. The debit card transaction is still pending, but the ...
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6 votes
3 answers
3k views

Minimizing medical costs with HSA

After landing a new job, I opened a health savings account (HSA) in February 2019. I decided to contribute $1 of my pay per pay period to my HSA. However, I can change my contribution amount at any ...
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3 votes
5 answers
578 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 ...
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2 votes
1 answer
199 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 ...
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1 vote
0 answers
97 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-...
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7 votes
2 answers
551 views

HSA - Continue to Invest?

I have an HSA that allows me to invest the money in the account in the stock market. Any money not invested is available to be used for health expenses. I currently have ~50% of the total balance of ...
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43 votes
4 answers
17k views

How can I get a job without pushing my family's income into a higher tax bracket?

I live in Seattle and turn 18 before the year's end, and I'm told my family has an income such that if I get a job and make more than $1000, then I would push my family into a higher tax bracket. ...
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  • 549
1 vote
2 answers
210 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 ...
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  • 795
2 votes
2 answers
4k views

How are FSAs handled when you change jobs?

For my 2019 benefits from my company I enrolled for $1000 in an FSA account. So as of Jan 1 I have $1000 available to spend, but in late Feb. I changed jobs and I have one more check being issued to ...
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  • 121
3 votes
6 answers
445 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 ...
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  • 33
6 votes
1 answer
177 views

Using a healthcare Flexible Spending Account at the same time as a Health Savings Account?

Here is my situation: I have the high deductible insurance plan. The coverage includes my wife, dependent daughter and mysef. I contribute to an HSA. My wife has her own insurance through her ...
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2 votes
2 answers
339 views

HSA withdrawals for past years?

A hypothetical individual living in the US opened an HSA account in 2016. She was enrolled in a high deductible health care plan in 2016, 2017, and 2019. She kept records of all her qualified medical ...
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7 votes
1 answer
122 views

Medical expenses tax deductions - billed vs. paid

In the USA, total medical expenses above a threshold may be deducted from taxes. If a medical expense occurs in December and the bill is paid in January, for tax purposes, does this expense occur in ...
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  • 281
2 votes
1 answer
109 views

Co-enrolled in HSA and Non-HSA health plans

I was unemployed for all of 2017. So, during open enrollment for 2018, my girlfriend’s company agreed to put me on her HSA health plan as a domestic partner. She and her company were contributing to ...
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5 votes
3 answers
1k views

Can I pay myself back later in the year if my HSA doesn't have adequate funds earlier in the year to pay for an expense?

We are being offered an HSA/High Deductible plan and my only concern would be if I had to incur a significant expense at the beginning of the year - no plans to but you never know, right? If I don't ...
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0 votes
1 answer
852 views

Can we have both HSA and DCFSA

I was covered by my wife's HDHP with HSA plan from her employer with a deductible of 2500 (individual)/5000 (family). We recently became parents of a beautiful baby girl.I want to opt for health ...
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  • 103
0 votes
1 answer
160 views

money transfer to US for medical treatment

I am going to the US for medical treatment for which I need to pay INR 25 lakhs to a hospital. What is the procedure to transfer the money? What is the limit per transfer? Is the transfer taxable?
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  • 1
4 votes
5 answers
374 views

How does a pharmacy discount card work?

There are many companies in the United States that advertise a plan to consumers, promising to lower their costs for prescription drugs. These plans go by several names such as "pharmacy discount ...
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  • 493
0 votes
1 answer
137 views

FSA or Personal HSA

Our employer (a hospital) only offers an FSA. Which recently switched when the insurance company changed. I am having to fight tooth and nail and spend hours submitting forms, phone calls and ...
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1 vote
0 answers
46 views

Why did I receive a 1095-C from one employer and a 1095-B from another?

I changed jobs in May 2017. My former employer sent me a 1095-C tax form and my current, substantially larger employer sent me a 1095-B. Why might I not have received a 1095-C from my current employer?...
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  • 135
5 votes
1 answer
65 views

Health insurance deduction - better to buy through S-Corp or individually?

I have a S-Corp that I can buy myself insurance through. If my monthly coverage costs $380, is it more advantageous for me to purchase this insurance through my S-Corp and then use it as an employee ...
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5 votes
1 answer
159 views

Insurance company incorrectly paid for several visits now rejects

My insurance company has been accepting and paying claims for several months and suddenly the identical billing code was rejected recently. I called the insurance company to find out why the claim was ...
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15 votes
2 answers
5k views

Do birth defects in children count as pre-existing conditions?

My family is shopping for new insurance at the moment. We reside in the United States, Georgia specifically. We have had insurance continuously since she was born. My daughter, born in 2011, was born ...
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