309 posts tagged with Insurance and health.
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What to do about Dad? (International edition)

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]
posted by anonymous on Oct 15, 2016 - 12 answers

Did I screw my mom over with a mental illness diagnosis?

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?
posted by wilywabbit on Aug 31, 2016 - 11 answers

Should I get short-term health insurance?

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]
posted by click on Aug 29, 2016 - 11 answers

Questions about Medicaid in Illinois

I'd love to hear what it's like to be moved from private health insurance to medicaid in Illinois. [more inside]
posted by InsertNiftyNameHere on May 11, 2016 - 3 answers

Responding to persistent personal informaion requests.

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]
posted by c13 on May 5, 2016 - 11 answers

Health Insurance

How do I get my spouse on Premera health insurance and drop Apple Health [more inside]
posted by stepup on Mar 28, 2016 - 1 answer

New Zealand Salary Deductions

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]
posted by stackhaus23 on Mar 12, 2016 - 13 answers

Walk me through the process of dealing with my health/fertility issues?

I don't get my period and I need to change that. [more inside]
posted by ohsnapdragon on Mar 11, 2016 - 30 answers

Ideas for reducing health insurance costs in the UK

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]
posted by fernbritton on Feb 7, 2016 - 13 answers

Maintaining An Out-Of-State Health Insurance Policy

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]
posted by Quisp Lover on Jan 29, 2016 - 13 answers

NY Medicaid woes

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]
posted by marsbar77 on Jan 19, 2016 - 10 answers

How likely am I to be given an exemption to the ACA penalty?

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]
posted by Venadium on Jan 19, 2016 - 6 answers

Taking a 6 month sabbatical. Travel insurance? Regular insurance?

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]
posted by just.good.enough on Dec 9, 2015 - 13 answers

Canadian (Manitoba) out of province health insurance?

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?
posted by rocket88 on Dec 5, 2015 - 3 answers

U.S. Health Insurance and HSA Accounts

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]
posted by misterpatrick on Dec 2, 2015 - 7 answers

Returning equipment to Apria for refund

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]
posted by NYC-BB on Aug 25, 2015 - 6 answers

Are there any good no-fee HSA providers?

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]
posted by anonymous on Aug 21, 2015 - 4 answers

How is this healthcare billing scam being run?

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]
posted by Bringer Tom on Aug 9, 2015 - 22 answers

Anyone have experience with health care sharing ministries?

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?
posted by davenportmom on Aug 1, 2015 - 9 answers

How do I get an evaluation for things like ADD?

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]
posted by kutsushita nyanko on Jul 5, 2015 - 14 answers

risking a 5 day insurance gap?

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]
posted by inevitability on Mar 25, 2015 - 17 answers

I just got a check for $10k. Can I keep it? YANAL.

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]
posted by sciatrix on Feb 20, 2015 - 16 answers

Help me find a cheap health insurance plan I can get online

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?
posted by crawltopslow on Jan 23, 2015 - 9 answers

Can you have two health insurance companies & plans?

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!
posted by bostonhill on Jan 19, 2015 - 12 answers

Can I buy health insurance for someone without their cooperation?

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?
posted by anonymous on Jan 9, 2015 - 16 answers

Generic Drugs -- prescription for a specific manufacturer?

I am currently taking five drugs for which the prescription is "dispense as written." [more inside]
posted by michellew on Jan 8, 2015 - 10 answers

Help me check my health insurance math!

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]
posted by anonymous on Dec 3, 2014 - 5 answers

Who might learn from my parents’ medial insurance woes?

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]
posted by Banknote of the year on Nov 21, 2014 - 8 answers

Asking for a friend...Got fired, need health insurance, now what?

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]
posted by Ruthless Bunny on Oct 23, 2014 - 13 answers

a health insurance gap. a cobra loophole.

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]
posted by millipede on Oct 17, 2014 - 15 answers

Health insurance coverage for holistic stroke recovery?

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]
posted by anonymous on Sep 9, 2014 - 5 answers

Should I overstate my income to qualify for Obamacare?

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]
posted by chrisdab on Sep 8, 2014 - 19 answers

Advice on getting a Benefit Exception from our healthcare insurer?

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]
posted by anonymous on Aug 20, 2014 - 1 answer

Will health insurance still pay for my baby's doc band if we stop early?

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]
posted by echo0720 on Jun 26, 2014 - 12 answers

I don't want it, I just need it.

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]
posted by koucha on Apr 28, 2014 - 39 answers

Pay out of pocket for preventative care?

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]
posted by ashtabula to opelika on Apr 25, 2014 - 26 answers

My girlfriend's insurance ended, how to get psych meds?

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]
posted by Two Stranger on Apr 15, 2014 - 23 answers

Can I get better insurance than employer offers?

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]
posted by threeturtles on Apr 7, 2014 - 19 answers

Health insurance question

What is the difference between "Allowed Amount" and "Co-pay" on an Explanation of Benefits? [more inside]
posted by fozzie_bear on Mar 10, 2014 - 5 answers

Health insurance hand wringing

Could a specialist on the other side of the country still be considered in-network? [more inside]
posted by mermily on Feb 16, 2014 - 17 answers

is long-term care insurance reliable?

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?
posted by mmiddle on Jan 27, 2014 - 18 answers

It's experimental? Since when?

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]
posted by anonymous on Jan 6, 2014 - 12 answers

Help me help my disorganized family member

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]
posted by latkes on Dec 24, 2013 - 10 answers

$3100 bill for "completely covered" procedure.

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]
posted by johnofjack on Dec 19, 2013 - 26 answers

I need health insurance and MassHealthConnector is broken

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?
posted by bostonhill on Dec 19, 2013 - 12 answers

Health insurance conundrum

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]
posted by banjo_and_the_pork on Dec 10, 2013 - 32 answers

How do I get reimbursed for out of network health expenses

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
posted by kbbbo on Nov 22, 2013 - 10 answers

Which health insurance plan makes the most sense for me?

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]
posted by andrewcilento on Oct 28, 2013 - 21 answers

Health insurance while changing jobs?

Would I be penalized for not having health insurance in the US for three months while changing jobs? [more inside]
posted by lewedswiver on Oct 15, 2013 - 15 answers

Looking for SF-based therapists: how's United Behavioral Health?

I'm looking for therapists in San Francisco and I just found out that I'm covered under United Behavioral Health. I'm wondering if people've had any experience seeing a therapist or a psychiatrist through them, and how I might go about finding someone in their provider directory who'd a good match for me. I'd also really appreciate any recommendations for therapists in SF who take UBH. [more inside]
posted by anonymous on Sep 23, 2013 - 3 answers

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