I have $475 left on my deductible. I already received bills this year for $841 dollars that I've haven't yet paid on. Do I have to pay all $841 or will I start getting coinsurance after I pay $475. [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]
I am a trans woman. Recently, I received a job offer from a private higher education institution in New York City. I would really like to accept the job, but repeated conversations with the individual who recruited me—who has been asking questions on my behalf to the institution's Human Resources department—have left me unsure whether or not their health insurance will cover trans-related care. How do I get this information? Can I get this information? [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?
Does anyone have any experience with purchasing health insurance through the Freelancer's Union? Any feedback on the process and level of satisfaction with coverage would be appreciated. [more inside]
I need group health insurance, but I don't know what my options are with the new potential changes in the law. I am in the East Bay, in California. Help? [more inside]
I'm self employed. I need health insurance. My main concern is a random ER visit that will put me in debt for the rest of my life, so I told my wife not to worry about deductible prices, since I only need to go in once every few years anyway. She found something with a $4,000 deductible. And that was like $80/mo. The other ones were even more expensive. Is this price range right? Is this the only way to protect myself from crippling debt?
I'm talking the absolute BEST, at any price. [more inside]
I'm not sure if i should discontinue my health coverage or not, and how to handle it - and if there's any way to *temporarily* discontinue my health coverage. [more inside]
I'm pretty sure I have sleep apnea and it's affecting me at at work. [more inside]
I have recently lost my health insurance. While it is possible I will be reinstated to the plan I lost, which is provided in conjunction with my school, I need to be insured again ASAP, and I don't mind the possibility of doubling up on insurance for a short period of time. New Yorkers, do you know of any affordable (<$500 or so per month) plans I might be eligible for? I am a full time college student. [more inside]
Health insurance for vagabonds? (How can I purchase health insurance when I'm in between fixed addresses/states?) [more inside]
I have a doctor's appointment coming up in the next few weeks. I have healthcare coverage, but I always seem to end up with a decent sized bill anyway, even for appointments that seem to be covered. What are you supposed to say and do to avoid this? This gets rather long inside. [more inside]
My brother was scheduled to have knee surgery, but has just lost insurance coverage. How can I help him? [more inside]
I'm in the open enrollment period (also newly married) and am considering switching health insurance -- for the first time ever. I understand the fill-out-the-forms part, but I can't wrap my head around what that means logistically. What's the process? What should I look out for? [more inside]
What determines which residence is my 'primary residence' when applying for health insurance, etc? [more inside]
Best direct to consumer HSA? [more inside]
Help me find health insurance. Moving back to the States with wife and two kids after being away for 10 years. May not have jobs when we return. What is the best way to find health insurance? I have no idea where to start or what my options are if we return unemployed. Moving to Texas if that is relevant.
HealthInsuranceFilter: My wife will soon be eligible for benefits through a new (part-time) employer, but the coverage stinks as it has a $20k per year max benefit. Is excess/supplemental health insurance a viable option? [more inside]
Should I switch to a HMO? My company offers Kaiser Permanente's HMO, and it's a good bit cheaper than my current plan. People tell me that HMOs are evil, but the plan looks pretty good on paper. I'm in Washington, DC. [more inside]
I am on a high-deductible health care plan and have maxed out my plan year out-of-pocket expenses. Our plan year ends in 2 months. Since it won't "cost" us anything more out-of-pocket, what additional elective procedures or tests does it make sense for me and my family to get in the next 2 months? [more inside]
Should I switch health insurance providers now, or wait, given Obamacare? [more inside]
What kind of poor-people health support is available in the Tulsa, Oklahoma, area? And what other resources exist for a person who may move to Oklahoma to escape a bad relationship in another state? [more inside]
I was rejected for individual health insurance with Kaiser Permanente in Southern California due to the preexisting condition of bulimia. I have been told by Kaiser that I can appeal the denial by providing evidence that I have resolved the bulimia. The issue is I do not have much evidence and Kaiser gave me very little direction on how to proceed. If any of you have had experience with this, what type of information did you provide and how did you obtain it? [more inside]
I'm about to purchase private health insurance in the US. How, if at all, should the impending health care reform legislation affect my decision-making process? [more inside]
All of UC-San Francisco's physicians will shortly end their affiliation with Brown & Toland and become members of Hill Physicians Group. What will this mean for patients? [more inside]
Arm/wrist problems and no health insurance: what to do? [more inside]
How can I prevent a future health insurance co from discovering a previous dematology treatment and use it for denial of insurance?
I'm an American without health insurance, who needs (minor) dermatological care... how worried should I be that this will prevent me from getting private health care insurance in a year or so (denial due to prior condition)? And what can I do to prevent this from happening? [more inside]
I'm sure Kaiser Permanente and other major HMOs have plans related to a potential pandemic, and how they would try to protect their customers' health and/or minimize financial losses. Have the plans themselves been published or leaked? Has anything summarizing those plans been published anywhere?
I live overseas for 10 months a year. I am finding it very difficult to get health insurance. No preexisting conditions, no smoking, not obese, but I am only barely a resident of California, and this seems to be a tripping point. All I want is a basic, high deductible plan for emergencies. I am currently covered in Virginia (from a while back, never told them I moved), but since my residency is California now, they probably won't cover me. What are my options? I just spent 4 hours on applications and was turned down every time. Everything else I see on google looks dodgy.
I just got $449 unexplainable dollars from my old health insurance company. Is it mine for keeps? [more inside]
[New Grad Filter] Is it worth it to pay for one month of interim health insurance? [more inside]
Can your health insurance company raise your rates when you have a positive STD test? Does this typically happen? [more inside]
When Health Insurance is the most important factor in a job search, how so you look for a new job? [more inside]
How do I choose a primary care physician? [more inside]
I'm trying to find out the best option for my uninsured mother-in-law's upcoming visit which will most likely involve some doctor's visits. [more inside]
I currently have what I'd term "crisis" health insurance -- a low monthly bill with a high deductible. I haven't dealt with the plan other than to pay the premiums since I signed up. Now, I think I may have a crisis. Help! [more inside]
It feels like the cartilage behind my knee cap is slipping out of place. I don't have health insurance. How serious is this & what's the wisest response? [more inside]
Min-Max Health Insurance for $200 [more inside]
Health insurance targeted toward small business owners and their employees? [more inside]
My employer has decided to stop paying any dependent health insurance coverage. How do I respond? [more inside]
Are there any dangerous effects to long-term heavy robotussin use? [MI] [more inside]
Seven years ago, I was in college and on my parent's insurance, which included mental health coverage. I was diagnosed with ADD and prescribed Adderall which did wonders for my concentration and my grades. When school was through I lost my coverage and my prescription. (MI) [more inside]
Catastrophic health insurance (in the US): I've just been laid off and am losing health care benefits. The COBRA premiums are insane--I'm looking for something cheap that will cover near-death experiences. (I will turn to the bottle for any minor ailments.) Anyone have any advice or plan suggestions?
I'm looking for respectable health insurance while I make a go of self-employment. Recommendations? [more inside]
From the insurance dilemma department.....I'm leaving my [much despised] job this month and have been shopping for an individual health insurance policy. What. A. Jungle. Anyone here ever heard of/know about healthcareadvantageplans.com or this "insurance alternative"? I'm not sure I understand how these beasties work.
Signed, clueless. [more inside]
Signed, clueless. [more inside]