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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.

6
votes
1answer
59 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 ...
2
votes
2answers
269 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 ...
7
votes
1answer
89 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 ...
2
votes
1answer
47 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 ...
5
votes
3answers
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 ...
0
votes
1answer
66 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 ...
0
votes
1answer
62 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?
4
votes
5answers
196 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 ...
0
votes
1answer
86 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 ...
1
vote
0answers
35 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?...
3
votes
0answers
32 views

Health Insurance Deduction - Better to Buy Through S-Corp or Buy 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 ...
5
votes
1answer
126 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 ...
15
votes
2answers
4k 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 ...
1
vote
2answers
124 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
1answer
87 views

ACA - Excess Premium Tax Credit Repayment - S Corp

I started an S corp this year. I'm the only owner and only employee. I bought insurance via the marketplace under my name and the company reimbursed me. I underestimated my income when I signed up on ...
2
votes
1answer
2k 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 ...
3
votes
1answer
1k views

Can your employer take back HSA contributions?

Employer established a HSA and made a one time contribution of $750 per employee and spouse or dependent for total of $1500. Can employer withdraw moneys from employee's HSA debit card account? Say ...
23
votes
4answers
2k views

Is it worth saving HSA funds until retirement?

I recently discovered that there is no lifetime limit to contributing to an HSA account - provided that you don't contribute more than the limit per year. Assuming that an individual makes a decent ...
3
votes
2answers
271 views

Healthcare mileage deduction for IRS Tax calculation

Turbo tax prompted me to enter miles traveled to healthcare visits. I traveled to physical therapy over 40 times last year so I have a fair amount of miles I could add. My question is should i ...
4
votes
1answer
141 views

Excess HSA Contributions Used For Medical Expenses

I have a potential employer with a strange solution for healthcare. They wish for you to select a HDHP from the marketplace with an HSA then they fund the HSA to pay for the healthcare premiums. I ...
6
votes
1answer
377 views

Do I have to pay a Health Care Tax Penalty for my F-1 spouse?

I'm an H-1B holder married to an F-1 student for the middle of 2016. I have insurance coverage through my employer. My F-1 wife doesn't have health insurance. She only has student insurance covered ...
2
votes
1answer
225 views

Does it make sense to pay MSP through a small corporation / business in Canada?

In BC, Canada, one has a monthly medical plan premium (MSP) per adult in a household of at least $75.00 (CAD) per individual per month, and the amount cannot be deducted against one's personal taxes. ...
1
vote
0answers
113 views

Is there a public formula or algorithm for out-of-pocket healthcare cost?

Essentially, what I'm looking for is a simulation of out-of-pocket cost as a function of a health insurance plan and an arbitrary sequence of medical events -- in other words, a computational model of ...
3
votes
2answers
722 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?
4
votes
3answers
1k views

What is the rationale behind an FSA being “Use it or Lose it”?

One of the biggest gripes most people have with the Flexible Spending Account is the rule that you must "Use it or Lose it". This can lead to people frantically running around just before their money ...
1
vote
2answers
390 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
63 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. ...
3
votes
1answer
133 views

What happens with my HCSA contributions if I leave my job on disability and then return later in the year?

Health care spending account contribution balance as of 1/1: $2500. Major Health issue + expenses. Went to short-term disability on 2/2. Spent the whole $2500 in my HCSA by 2/10. My total contribution ...
4
votes
1answer
226 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 ...
71
votes
9answers
10k views

Ballpark salary equivalent today of “healthcare benefits” in the US?

For my friends in the US, when considering positions (this applies to either salary or contract positions) I've heard it's sometimes along the lines of, you can have X with healthcare, or Y with no ...
1
vote
0answers
61 views

options for Healthcare and benefits for recently graduated PhD who is short-term unemployed?

I recently (2015) graduated from a PhD program in a very employable science/engineering major from a top three university in the United States. Due to some health and motivational issues (ones that ...
5
votes
3answers
306 views

Does the rise in ACA premiums affect employer-provided health insurance premiums?

So I hear a lot about rising premiums and that the ACA is the leading cause. Recently I heard that the majority of people still get their health insurance through their employer. Is there merit that ...
3
votes
2answers
146 views

Can doctors be selective in submitting claims to insurance company?

I was charged a fee for a service upfront stating insurance do not cover this service, but turns out it was not true, insurance company covers it. I called the doctor's office asking them to submit ...
0
votes
1answer
183 views

Does WageWorks / FSA verify your claim submissions with your health provider?

I underwent a medically necessary treatment with my healthcare provider as soon as my insurance went into effect for the current period, and paid via an FSA card. Shortly after, I was required to ...
0
votes
2answers
86 views

Medical Bill Consolidation

I've recently had two procedures done and now the medical bills are rolling in. The billing days and services are spaced out and varied, making management frustrating, but not impossible. That being ...
3
votes
3answers
269 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 ...
5
votes
2answers
4k views

Can I use my HSA debit card to pay for vaccinations?

I am about to go on safaris in South Africa and Zambia and need to be vaccinated against a few diseases. The IRS publication 502 doesn't mention vaccinations explicitly, but does state that ...
3
votes
2answers
208 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), ...
1
vote
2answers
63 views

Medical Bills and IRA Distributions

From my research I think we have unknowingly and accidentally screwed ourselves here, but I would like to ask to confirm. Oct 2015: Our son needed emergency surgery when we were traveling in Panama ...
5
votes
1answer
1k views

Ambulance Fees and Insurance

I recently had a medical scare that sent me to the hospital by ambulance in New York City. When the bill came due my insurer covered the emergency room visit but did not cover any of the costs of the ...
2
votes
5answers
1k views

Got charged ridiculous amount for doctor's walk in visit. What are my options?

I went to a local doctor's office that takes walk ins. The visit was normal, they took my vitals, doctor saw me, and prescribed some meds. A few weeks later I got a bill in the mail for $400. That'...
4
votes
1answer
108 views

My employer changes the fsa plan year. What happens to me?

My employer will change from a July-June plan year for my fsa to a January to December plan year. I have already used up a 2500 dollar allowance for July 2015 to June 2016. What does this mean for the ...
1
vote
1answer
289 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 ...
11
votes
1answer
654 views

How to understand the status of my 12-year old, unpaid, $200k medical debt?

From 2000 until 2005, I accumulated about $200,000 USD in medical debt to 4 hospitals in 3 states. I can't even count the number of physicians who were involved. Initially, things went ok with billing ...
6
votes
2answers
314 views

Medical bill in collections

I am a college student that had surgery in 2014 on my gallbladder and subsequently became very ill and needed a necessary test to prove a a diagnosis my gastroenterologist suspected. He recommended ...
10
votes
1answer
307 views

Might it make sense not to look into debt that is in collections?

I happened to glance at my credit report and one of the agencies shows that I have a debt of just over $100 in collections. It appears to be from an emergency room in a previous state (I moved about 6 ...
4
votes
2answers
808 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 ...
-1
votes
2answers
87 views

Should I spend upon medication or paying my debt? [closed]

I had fever from 3 days and I am taking medicine (prescribed by my Medical Practitioner). Today I ran out of my medicine. I am feeling much better but not too good. The situation is that I got 600 ...
5
votes
1answer
151 views

Evaluating ACA health insurance options

Question: Are ACA-compatible Catastrophic plans really more expensive (on average) than the other "metal" plans? After deeper analysis, it seems like a Catastrophic plan costs less out-of-pocket than ...
3
votes
2answers
264 views

should I get a dental implant before the end of the year?

Here is my situation: I paid a lot in out of pocket medical/dental costs this year (more than $5K) I still need about $2K in dental work. I do not have the cash on hand to do it. But, if I get it ...