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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8 votes
3 answers
2k views

Switching health insurance due to birth of baby

Expecting a baby in a few months and also working through Open Enrollment season. If I chose a low deductible plan for the beginning of 2024, and then switch to a high deductible plan after baby is ...
kk7534's user avatar
  • 232
5 votes
1 answer
184 views

Will not receive 1095-A for federal taxes

I bought a health care plan on a state exchange but do not receive a subsidy and so did not receive a 1095-A form. However, on my federal income taxes, it is asking "Did you have health insurance ...
ak0000's user avatar
  • 153
0 votes
0 answers
59 views

Dr. office moved my payments around and now double billing me?

I had to pre-pay for treatment until insurance kicked in; insurance totally messed up all the claims and paid where they should not have which made doctors billing dept. move my payment to other ...
Sick of Billing's user avatar
2 votes
0 answers
91 views

Who pays for costs of organ donations?

If person X's advance directive for healthcare has them listed as an organ donor, who pays for life sustaining treatment to ensure that the organs remain viable before harvesting? Is it person X's ...
heretoinfinity's user avatar
0 votes
0 answers
114 views

Former Employer is Asking me to Reimburse them for Cobra I never asked for

When I left my former employer, I purchased Health care through the exchange rather than go with Cobra. Apparently, they never canceled my health coverage and are now coming to me for back payment. ...
Lorraine's user avatar
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 ...
DotNetRussell's user avatar
3 votes
1 answer
161 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 ...
Clem Marshall's user avatar
6 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?
Franck Dernoncourt's user avatar
0 votes
2 answers
209 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?
Franck Dernoncourt's user avatar
1 vote
0 answers
744 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 ...
LeanMan's user avatar
  • 271
1 vote
1 answer
34 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% ...
LeanMan's user avatar
  • 271
33 votes
2 answers
6k 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 ...
Donna Lewis's user avatar
1 vote
1 answer
78 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?
Shane Foye's user avatar
5 votes
2 answers
3k 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 ...
Derek Fulton's user avatar
5 votes
1 answer
93 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 ...
NeekyE's user avatar
  • 51
4 votes
1 answer
445 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 ...
minou's user avatar
  • 7,506
0 votes
2 answers
84 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 ...
LeanMan's user avatar
  • 271
2 votes
0 answers
87 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 ...
Mahesha999's user avatar
1 vote
2 answers
58 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 ...
T. Thomas's user avatar
  • 383
-3 votes
2 answers
110 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 ...
Derek Fulton's user avatar
8 votes
3 answers
417 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 ...
adam.baker's user avatar
2 votes
1 answer
155 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 ...
S M's user avatar
  • 21
0 votes
1 answer
48 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 ...
Tasha's user avatar
  • 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?
geraldnichols's user avatar
4 votes
2 answers
369 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 ...
Rose's user avatar
  • 41
6 votes
1 answer
362 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 ...
ebosi's user avatar
  • 1,083
3 votes
1 answer
118 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 ...
Ilya's user avatar
  • 133
0 votes
4 answers
250 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 ...
titchseason's user avatar
  • 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?
Neil Q's user avatar
  • 1
0 votes
1 answer
83 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: (...
Kirill Kulakov's user avatar
1 vote
1 answer
48 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 ...
Lloyd Banks's user avatar
2 votes
1 answer
551 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 ...
Parker's user avatar
  • 413
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 ...
Liz Salander's user avatar
3 votes
5 answers
605 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 ...
Jeff Pratt's user avatar
2 votes
1 answer
203 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 ...
Lloyd Banks's user avatar
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-...
perennial_noob's user avatar
7 votes
2 answers
555 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 ...
John_Henry's user avatar
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. ...
Jodast's user avatar
  • 549
1 vote
2 answers
211 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 ...
The Guest's user avatar
  • 795
2 votes
2 answers
6k 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 ...
Brock S.'s user avatar
  • 121
3 votes
6 answers
449 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 ...
cpotter's user avatar
  • 33
6 votes
1 answer
182 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 ...
Chip Bastian's user avatar
2 votes
2 answers
566 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 ...
AstroSharp's user avatar
7 votes
1 answer
126 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 ...
CWallach's user avatar
  • 281
2 votes
1 answer
128 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 ...
Manuel Guavo's user avatar
5 votes
3 answers
2k 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 ...
Levi Wallach's user avatar
0 votes
1 answer
940 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 ...
VK_217's user avatar
  • 103
0 votes
1 answer
225 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?
shri's user avatar
  • 1
4 votes
5 answers
382 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 ...
DrSheldon's user avatar
  • 493
0 votes
1 answer
144 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 ...
Heather Rose's user avatar