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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3
votes
1answer
167 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 ...
2
votes
2answers
276 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
193 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
486 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
373 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. ...
3
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2answers
1k 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?
1
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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. ...
3
votes
1answer
206 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 ...
7
votes
3answers
744 views

Is it possible to deduct health insurance premiums from taxes?

I currently have health insurance provided by my employer. My monthly premiums are deducted pre-tax from my salary. I'm considering canceling this health coverage in favor of an individual health ...
3
votes
1answer
236 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 ...
1
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0answers
63 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
326 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
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2answers
249 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 ...
4
votes
1answer
668 views

How to tell if a health share membership a prudent investment?

Under the Patient Protection and Affordable Care Act (aka Obamacare), Americans are required to purchase health insurance each year or else pay a penalty. I feel like I've been getting treated badly ...
0
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1answer
2k views

How common is “pass-through” health insurance? [closed]

I am doing research about how health insurance works in the United States. I plan to post my findings on my personal web site. I have heard it said that some companies that provide health insurance ...
0
votes
1answer
338 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
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2answers
103 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 ...
2
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5answers
2k 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'...
3
votes
2answers
273 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), ...
3
votes
3answers
310 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 ...
2
votes
1answer
4k views

Can I submit a hospital bill for reimbursement from my FSA if I am on a 12mo payment plan?

I have roughly $1500 in hospital bills. I called them and said that is too much for me to pay right now and they offered to split the payments over 12 months. Can I immediately submit the bill to my ...
4
votes
2answers
189 views

What is the procedure, and limit of medical expenses in order to claim for tax returns in US?

Since last year I have spent sufficient amount of money on medical bills (greater than $1500) as a result of 20% that I am supposed to cover under my insurance. My questions are: What is the ...
5
votes
2answers
6k 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 ...
1
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2answers
66 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
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3answers
4k views

Can I use a different HSA than PayFlex that came with aetna?

So my insurance aetna came with a PayFlex HSA. I dont think I like the investment options Harbor Bond HABDX Bond Fund Managers Intermediate Duration Government MGIDX Bond Fund Dodge &...
1
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2answers
157 views

How can I accept donations for a loved one's health care?

My wife's mother (the "patient", for ease of writing this) has early onset Alzheimer's. The family has spent all of the patient's personal cash paying for medical expenses, and is now asking relatives ...
1
vote
1answer
430 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 ...
12
votes
1answer
738 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
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2answers
381 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 ...
8
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1answer
6k views

Can my employer change wage rates based upon medical coverage choices?

Prior to this year my employer used to reduce our hourly rate if we elected to enroll in one of the employer sponsored medical plans available. This reduction in rate was in addition to any weekly ...
10
votes
1answer
403 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 ...
3
votes
2answers
842 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
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2answers
89 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 ...
2
votes
2answers
2k views

When using an HSA debit card for qualified medical expenses, do you typically need to mail your provider proof?

How would Fidelity (who I have my HSA through) know that what I withdrew money for was actually a medical expense? And how does it get reported to count towards my deductible?
5
votes
1answer
218 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
277 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 ...
4
votes
1answer
177 views

How is the obamacare tax credit calculated?

In the first 9 months of this year I had a relatively high income. However, I have no income since October. I used to have health insurance from my employer but now I am trying to get health insurance ...
2
votes
1answer
51 views

Child Healthcare costs - Statistics by age

Are there statistics, both current and projected, on healthcare costs (absolute dollar amounts) in the USA for children at various ages? I googled this and found this study: http://www....
4
votes
2answers
315 views

Single employee - paying for health insurance premiums with pre-tax money

I am about to join a new US company and will be the only employee for a while. I am not a shareholder or anything similar. The employer cannot offer a group health plan as they normally require at ...
6
votes
1answer
521 views

What are some good ways to spend FSA money?

I have an FSA and contributed $400 to it. I made this decision in October, thinking that I would need some dental work in the coming here. Two weeks after submitting my form, I chipped the tooth and ...
1
vote
1answer
875 views

flex spending when transitioning from full time to perdiem

I am moving from a full time position with health benefits and $2500 in flex spending to a perdiem position. I gave my notice to decrease from full time to perdiem without benefits as of 7/6/15. How ...
3
votes
3answers
4k views

How to respond to collections regarding medical bill your insurance hasn't paid?

Last year our medical insurer froze my wife and children's account and refused to make any payments to any providers until my wife, her doctor, and possibly some of her other providers filled out a ...
6
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3answers
708 views

How To Hedge Healthcare Costs

Quite a few articles have appeared recently about increasing healthcare costs (for those of us affected by Minnesota). In general, many families worry about healthcare costs because it can lead to ...
0
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1answer
148 views

Healthcare / FSA: Lost job. Have expenses from earlier an the year that I have not submitted

(Maybe relevant: I'm in Texas.) My position was terminated last week. Yay. I have a little over $12000 in medical expenses for this year, most of which I had not yet gotten around to submitting. (I ...
5
votes
1answer
3k views

What happens if I have an HSA while here on an H1B work visa and I permanently leave the United States?

I am currently in the US on work visa (H1B) and have been contributing to a HSA account. If I leave the country at a future point of time, what happens to this account and would it be possible for me ...
4
votes
5answers
3k views

Is this HSA too good to be true?

I am grandfathered into this PPO plan which we have one more year before they get rid of it. I think the HSA plan is better now for me but wanted to check. Is this HSA plan better for me? If I ...
1
vote
1answer
324 views

Can I use FSA funds to pay for expenses outside of insurance start period?

I started a new job on February 2, 2015. But my plan year starts on October 1, 2014 and goes until September 30, 2015. I had a doctors visit that I will have to pay completely for because I was not ...
10
votes
4answers
5k views

Collections for Medical Bill - Pay Settlement or Full Amount?

I live in California, and I had an ER visit in November 2010. I originally owed ~$800. I've been contacted by a collection agency, and offered a settlement of ~$400 I have verified with the original ...
2
votes
3answers
322 views

Should I choose not pay the fee for not having healthcare coverage in 2014

I did not have healthcare coverage in 2014. If I check the box on my return that says I did not have coverage I have to pay the fee. However, from the verbiage below it appears that not paying the ...