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For questions that relate to the laws, practices, and products of the United States.
1
vote
1
answer
105
views
Health insurance overturns original denial
Health insurance overturns original denial of prescription. However, member already paid out of pocket to receive medication in a timely manner. The price for the member is higher than contracted cost …
3
votes
My million-dollar brother wants to retire. Should he?
Yes. It is quite doable, many families are making this amount, combined.
Health care, at 40k, he will be able to get subsidized, especially with kids.
He may also be able to get other tax credits, s …
3
votes
1
answer
147
views
Qualifiying Life Event allow one to change coverage plan
Employer provides four plans, with the following three that interest me, PPO, HMO, CDHP
During open-enrollment I choose PPO.
I marry. This counts as a QLE.
Am I allowed to change to CDHP midyear?
…
-1
votes
Qualifiying Life Event allow one to change coverage plan
The below from appears to state one may be able to change one's plan.
Health Gov Site
Since the 2019 Open Enrollment Period is over, you can now enroll in
or change a Health Insurance Marketpl …
2
votes
1
answer
122
views
Is a layoff a QLE allowing one to elect different health plan offered by employer?
If one is laid off, one is allowed under Cobra to continue group based health insurance thru employer.
Does the layoff count as a QLE allowing one to change health coverage if an employer offers multi …
2
votes
1
answer
127
views
What programs and or assistance is available to family when homemaker becomes disabled?
If a non-working spouse, homemaker/parent, becomes seriously ill (cancer) and disabled, what programs, assistance, insurance are available to such a family? A family not living below poverty line (med …
1
vote
2
answers
46
views
Investing max tax-deferred IRA contribution Dec 2022 vs Jan 2023 for contribution year 2022
If contributing for tax year 2022 into a tax-advantaged IRA ETF, is there any benefit waiting until Jan 2023 vs Dec 2022? I am remembering something that happens at end of year with ETFs?
2
votes
3
answers
177
views
High-deductible health plan. Deductible calculations?
Current PPO.
Go to Dr. Rich for colonoscopy. On my explanation of benefits Dr. Rich charged 1k for colonoscopy, 1k for analysis, 1k for biopsy. My insurance says colonoscopy is contracted at $800, an …
3
votes
0
answers
299
views
Would renters insurance cover this scenario?
This is US based. I have renters insurance and the coverage overview is as follows:
Personal Property
Loss of Use
Personal Liability
Medical.
I have read my policy, but I do not believe the follo …
2
votes
1
answer
61
views
Misplaced IRS EIP 3rd payment
I received the IRS EIP 3rd payment via paper check, but lost it. How does one have check re-issued?
Not seeing scenario here on the IRS FAQ site
1
vote
Marrying your platonic friend for state benefits
I have never heard of financial reasons for platonic friends getting married.
I have heard of the reverse, romantically involved partners with children not marrying for benefits and rent relief. i.e. …
3
votes
2
answers
208
views
Will local visit to IRS keep me out of ID.ME system?
I would like IRS 6-digit pin.
I do not accept the terms & conditions of ID.ME.
If I visit IRS branch, and obtain IRS 6-digit pin, they will not enter me into ID.ME system, correct?
2
votes
0
answers
82
views
Has there been any studies or economic theories regarding HSA and whether to save/spend
HSA have triple tax advantage:
Pre-tax contributions
Tax-free growth
Tax-free withdrawals for medical expenses
If one planned to only use this money for medical expenses after retirement (62), is it …
2
votes
Does a direct deposit arrangement also enable direct withdrawals?
Personal: A company I had worked for erroneously posted two checks to my direct deposit. There was also a debit in my account, for correction. So I can not say if it is a withdrawal per se, or just a …
2
votes
3
answers
82
views
Assuming a mortage dependent on interest rate outlook
Purchasing a home. All-cash deal is feasible.
I believe that mortgage rates will be rising in the near future, say doubling in ten years. I do not believe mortgage rates will fall. I believe interest …