If two people walk into a facility for an MRI, one with health insurance, one without, will they be charged the same? Assume both are paying out of pocket because insured person has a high deductible. Does insured person still get a better rate? Or does it vary? Hoping someone with knowledge of medical pricing/billing can answer this.
Our increasingly elderly father has survived another health crisis, but is going to need more care than we can afford or provide. Difficulty level: he's an ex-pat on the other side of the world, but wants his kid(s) to take care of him. Wall of text and some Whiskey Tango Foxtrot-ness inside. [more inside]
Within this year got two diagnoses of bipolar and depression while still on my mother's insurance. She recently lost her job. Could it be because of this? Also how will this affect her in looking for another job and insurance? Is there any to hide this or fix it by getting these diagnoses removed?
Hello. Thank you in advance for your help. I have had Kaiser insurance for many years for me and my son. I have been on auto-pay and I guess my auto pay expired and I never re signed up for auto pay so my insurance was canceled. Totally my fault, I get it. I suspect they sent me a million letters but I tend to throw mail away in a haste and probably thought it was junk or just a THIS IS NOT A BILL statement thing. But now what? [more inside]
I'd love to hear what it's like to be moved from private health insurance to medicaid in Illinois. [more inside]
To the law people out there: I work for a small company that recently signed up with a new health insurance company. For various reasons I declined the coverage, but I am getting bombarded by requests for personal information. Here's the actual latest message that I received after I informed them that I do not wish to participate: Hi C13, For any employees at Small Company to get health insurance, you need to complete your application. All employees must complete an application, regardless of whether accepting or waiving coverage. [more inside]
How do I get my spouse on Premera health insurance and drop Apple Health [more inside]
In the UK an employee's salary is subject to deductions – national insurance, income tax at varying brackets etc. How does this compare to New Zealand? [more inside]
I don't get my period and I need to change that. [more inside]
My elderly parents health insurance costs have now become unaffordable. Are there any ways of reducing this cost without significantly reducing the coverage currently offered to them? [more inside]
I used to live in CT, where health insurance is cheap and great. A couple of years ago, I moved to NY (state, not city), where coverage is expensive and lousy. So I've maintained my old CT policy (Anthem), using a home address that's actually a mail drop. Am I living dangerously? [more inside]
When I turned 26 a few weeks ago, I was summarily dropped from the health insurance my mother gets through her job ( I was eligible to stay until 26 b/c of a disability). Now, I'm facing a nightmarish bureaucracy trying to get enrolled in managed care before the 31st. Help me shovel some snowflakes out of my way so I can actually do this right. [more inside]
I did not have health insurance for the last 8 months of last year. How likely am I to be granted an exemption to the penalty I'd normally face when it comes time to file my taxes? [more inside]
I'm planning to travel for 6 months (France for 3, then who knows) and will not have insurance through work. It's been difficult navigating all the options. Will I need travel insurance in addition to regular insurance? 29yo, located in CA, USA. [more inside]
My stepdaughter and infant granddaughter will be visiting us in Ontario from Manitoba for 2-3 weeks over Christmas. I'm getting conflicting information about whether they need supplementary travel health insurance over and above what their Manitoba Health Card covers with inter-provincial agreements. What is covered? What isn't? How much should I expect to pay for extra coverage?
Looking for some feedback on what combination of U.S health insurance combined with an HSA you use. We're looking to reduce costs. [more inside]
My doctor prescribed a CPAP earlier this year, and my insurance at the time covered a rental for three months, at which the unit would be "mine". The three months ended in May, and I happened to change jobs at that time. [more inside]
I'm in Washington State with a Premera Blue Cross HSA HDHP. I'm maybe, finally, in a position to start funding an actual health savings account, not just pay my household's premiums (~$400/mo for two people) and treat my insurance as a lame catastrophic plan. I'm having trouble finding a good account provider, though, and would like some recommendations. [more inside]
For a month now I have been involved in a Kafkaesque nightmare with a local hospital billing department. I am convinced that they have a thief in their employ but I cannot figure out how to convince them of this or to positively make my case. [more inside]
Are any of you familiar with or had experience with any health care sharing ministries? We are considering joining one of the plans because of sky-rocketing insurance costs. I'm not necessarily looking for your opinion on the morality part of the plan, which I know several posters will disagree with. I'm looking for actual experience with the plans. Are they reliable?
I'm an American woman in my mid 30s. I think I might have ADD or something like it, but I don't understand what the procedure is for being evaluated (/diagnosed, if there's something to diagnose). Where do I start? Far too many details follow, sorry. [more inside]
I would have a 5 day gap between my new job's health insurance and ending my ACA health insurance. Should I buy another month of ACA or risk the 5 day gap? [more inside]
A year ago, I was involved in a car accident that was not my fault. Now, in exchange for being released from any future liability for injuries relating to the accident, the other person's car insurance has issued a check directly to me. For $10k. This feels too good to be true--is it? [more inside]
I am getting health insurance just to meet the minimum coverage for something I'm doing that requires health insurance. I just want a cheap plan that I can get online. I tried googling but it's overwhelming and I don't know which sites to trust, half of them look like spam/scam to me. Is there a good comparison site?
Hi MeFi, So a bit of a weird situation here. I was laid off in 2013 and at the end of that year I applied for Obamacare. It took FOREVER to get the application going since the website was awful so long story short, it's early 2014 and I get a job with full benefits. I completely forget about the application for Obamacare and it's now January 2015 and I received a letter from CeltiCare Health saying 'hi, here's your coverage card. you are now insured with celticare...' So now, technically, I have two coverages? One from my employer and through Celticare? How does this work? Should I call Celticare and let them know I already have insurance? What benefits are there to having two? Legal or not? Thanks for your help!
I have a sister in law who has no health insurance. She is fiercely independent. I can easily afford to pay for health insurance for her. She is refusing to let me. My concern is, if she had a serious health issue, we would be on the hook for paying for her treatment. Not legally, but she is family and we just would pay for her to get good treatment. I want to insure myself against this potentially huge expense even if she doesn't want to. Is there any way to do this?
I am currently taking five drugs for which the prescription is "dispense as written." [more inside]
After being recommended multiple therapists and not a single one accepting insurance, I've determined that the only financially advantageous avenue to pay for therapy is to switch to a high deductible insurance plan with a HSA in order to lower my premiums and maximize my tax situation. Is there anything I'm missing or not taking into consideration? [more inside]
I’m wondering if there’s any academic or research value in the papers my mom kept, documenting her struggles to get a long-term care insurance provider to honour their contract. [more inside]
I just got fired. I was miserable and stressed and planned to have a talk with the CEO on Monday. Instead, he fired me today. I'm in California. What rights, if any, do I have? [more inside]
I am going to have a health insurance gap between October 31 and December 23rd. That is a time period less than 60 days, and I hear there is a COBRA loophole, and I would like advice about it. [more inside]
I'm seeking recommendations for a PPO health plan that would cover an out-of-network MD, an MRI, and many sessions of acupuncture. [more inside]
I want to qualify for the Health Insurance Exchange in a state that doesnt have health care expansion. But I don't make the minimum amount to qualify. What would you do? [more inside]
Husband needs open heart surgery. Our preferred surgeon is not on our healthcare plan. We're going to request a benefit exception. We are in Washington state. We are on an individual plan, not with an employer. I called the insurer and requested a case worker. Any suggestions on my approach? Feeling overwhelmed already. [more inside]
The provider of my baby's flat head fixing helmet submitted an insurance claim but it has not yet processed. If we quit treatment, will the provider tell the health insurance company? Will we have to pay the full amount out of pocket? [more inside]
Please help me mitigate/cope with my feelings about doctors/insurance and have the best visit with a general practitioner that I can after 10 years of being uninsured. This way lies snowflakes. [more inside]
Colon Cancer scare in my family. My health insurance won't cover a colonoscopy because I'm too young and have no symptoms. Should I shell out the $1000 - $3000 this could cost me to get checked? Gratuitous YANMD. [more inside]
My girlfriend just recently found out that she was dropped from her insurance. She signed up for an ACA plan, but coverage doesn't begin until the first day of May. This is a problem, because she's on several psychiatric medications that are either pivotal in allowing her to function, have terrible withdrawal symptoms, or both. [more inside]
My husband's new job only offers one plan: a high deductible plan with $5,000 and $10,000 deductibles. We both have chronic illnesses with lots of medications and several doctors. We cannot afford to pay out of pocket for everything. What can I do? [more inside]
What is the difference between "Allowed Amount" and "Co-pay" on an Explanation of Benefits? [more inside]
Could a specialist on the other side of the country still be considered in-network? [more inside]
I have been paying $100/mo. for several years now for long-term care insurance with a carrier that is as good a bet as any in the market. But that is a big hit in my budget, and will be even bigger when I retire in a couple of years. It's kind of early in the overall history of this kind of insurance to be drawing conclusions from gathered data, but worst case, it could be just another corporate sleight-of-hand deal for sucking money out of the paycheck-to-paycheck crowd. I can not rely on family as an alternative strategy; I am in fairly good health so far. Should I consider this an essential expense?
Questions around experimental procedures, health insurance, incommunicative doctors, and trying to advocate for someone who resists advocacy. I've broken down my big questions with some supporting info below. [more inside]
I have a close family member who I am somewhat estranged from. But he has some needs that I have the skills to help with, and I want to help. Help me help him. [more inside]
My doctor sent me for a colonoscopy due to family history. The clinic gave me some paperwork saying it would be completely covered unless they found something, and then it would be $250. They didn't find anything. I lost the paperwork. Now they're sending me bills for $3100. [more inside]
Hello all, I was laid off from my job in July and went to Europe for a few months. Now that I am back in USA, I tried to sign up for affordable care act via www.mahealthconnector.org/ only to find out this site is the reincarnation of the devil. I cannot finish my application for this health insurance because I get stuck on a page that requires me to put in my employer info. Now since I am unemployed I obviously do not have an employer. This site literally will not let me complete the rest of the application without entering a whole bunch of information on my current employer which does not exist! How on earth do people without jobs apply for this?? Does anyone else run into this frustrating issue? Is there any other health insurance I can sign up for?
I am totally paralyzed with indecision about the health insurance options I have at work this coming year. Halp! High deductible plan with an HSA vs tried-and-true HMO. [more inside]
I have had quite a lot of medical expenses this year - much of it not covered by insurance. I will speak to my accountant about tax write offs. Is there anyway to get reimbursed for any of the following out of network: blood tests (expensive tests) phone consultations dr visits vitamins travel time Thank you in advance
For the first time, I have a choice of health insurance plans at a new job. I sort of understand the differences and benefits of each, but am feeling some serious choice paralysis. [more inside]
Would I be penalized for not having health insurance in the US for three months while changing jobs? [more inside]