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]
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]
Unfortunately we did not win Powerball last night but it sparked an interesting conversation. Do wealthy (US) people have health insurance? I would think that once you hit a certain amount of wealth you could go ahead and drop it, right? Like $50 million or so? Which made us discuss how someone like Sunny von Bulow could be kept in luxurious surroundings for most of her comatose life. Would her family have paid out of pocket or are rich people dealing with same health insurance BS that the rest of us do? I mean she was in a coma for years, it had to have cost a small fortune.
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]
My friend's daughter was travelling to Canada over the weekend. Apparently she was stopped at the border due to some health insurance related issue. She didn't make it to the hostel she was supposed to stay at the first night, or the volunteer program she was destined for. She called those places when she knew she wouldn't make it, but she hasn't called home at all, as far as we can tell. And we have no idea where she is right now. What can we do? [more inside]
Hello, I am an Indian citizen visiting the United States for a few weeks. My travel plans have now extended to include 3 weeks in the United Kingdom and Europe on my way back home. While I do have insurance for my US trip, I do not have any for the UK/Europe leg of my journey. I would like to know which is the best medical/travel insurance policy that I could buy in the United States, given that I am not a resident here. I am looking at a policy that covers 250k USD; I am a 35 year old woman. Thanks a lot!
My brother has been diagnosed with an acute form of leukemia, and is currently in the ICU. What we know is that he's not going to die tonight. He's got some life left in him. They're not sure about the precise form yet, that will take some time. But in the meantime, we have a problem: he's 31, recently unemployed, and uninsured. My family is far from being able to afford out of pocket health costs. And from all the doctors, drugs, machines he's been hooked up to in the past 10 hours, I know the bill is already creeping into the many tens of thousands of dollars. So my question to MeFites is: what are our options? How do we pay for this? We have very few assets, although I'm sure we'd sell the family home to keep my brother alive for a few more years. But apart from that, we've got nothing substantial. (I'm a graduate student, and my mother is a self-employed seamstress. My father is unemployed). Are there any gov't programs available? Can he go on Medicaid? Etc. I'm having trouble finding hard info on people in his particular situation (not a minor, not elderly, and diagnosed with cancer). Help!
In 6 weeks' time, my husband and I are quitting our jobs to go on a 2-3 month road trip around the USA before moving to Europe. I have some questions about travel/trip/health insurance for folks who may have done this or something similar. Is it sensible or possible to use travel insurance as our primary health insurance? [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]
Hello! I am an independent contractor (1099 Misc form) for the first time in my life and need some tax advice as the budget is a bit tight! Therapy, acupuncture, bicycle, insurance, computer, etc. How do deductions work? [more inside]
I am currently employed full time with group health insurance. I've accepted a new position at a different company starting August 1. If I put in my 2 weeks notice and quit on July 12, will I still be covered for the remainder of the month? [more inside]
I'm getting ready to have a possible "final conversation" about financial responsibility with my boyfriend. I just want to check in to see that I'm being realistic with today's economy. [more inside]
Someone asked me this this morning, and I have no idea so I thought I would throw it out to the green. [more inside]
What is in place to stop health insurance companies from simply NOT doing things they are contracted to do (i.e.: process and pay for prescriptions. Pay doctors etc.). [more inside]
I'm a single woman in her early 40's, unemployed (mostly), looking to purchase health insurance, and requesting advice from the hivemind on how much I should have, of what type. [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?
A specific health care claim was denied by my insurance as not medically necessary. What are my options? [more inside]
I'm talking the absolute BEST, at any price. [more inside]
My wife and I are both graduate students living on about $30k a year in southeastern Pennsylvania. We're about to turn 26 and will be losing our health insurance coverage through our parents. Does the state of Pennsylvania or the government offer any sort of subsidies or vouchers to help us purchase our own insurance? [more inside]
I'm an American living in working in Tokyo, but am planning on moving to the states in a few months. I will leave my current job in a month that is providing insurance and take a month or two off to get my affairs in order. What are my options for insurance after I resign? [more inside]
How are things looking over the next few years as far as health insurance costs in the US? [more inside]
Healthy 26-year-old woman in DC with private health insurance, planning to start trying to get pregnant at the end of the year. [more inside]
Need private health insurance for my partner, my workplace will be reimbursing all his private health insurance instead of adding him as family/dependent. So cost is minor issue, more concerned with good, specific coverage. We would like to go Blue Cross/Blue Shield due to previous positive experiences. Confused as to what plan will work. He works in a high-stress, very physical outdoorsy job. Without fail, he makes a few urgent care/ER visits a year and would appreciate some therapist coverage to deal with anxiety related to job. Being able to see specialists, get bloodwork and labs done without breaking the bank would be appreciated as well. Any advice? Florida here, if it matters. Looking for low deductible, fixed doctor and hospital visit costs.
My cat is sick. I have next to no money. Is there a really-truly-worth it pet insurance company you recommend? Or is there a place I can apply for financial assistance? [more inside]
I'm trying to figure out the best choice for individual health insurance for myself, and I'd like to have it pay for my currently-out-of-pocket therapy, but I have questions about how this works. Does therapy count as an "office visit"? Do I actually want insurance to cover therapy? (I'm in the US.) [more inside]
I'm unemployed, and have not had health insurance for about 3 years. What are my best options for finding a plan that fits my needs? [more inside]
I'd like to give one of my relatives health insurance for Christmas. She's a freelancer in Brooklyn. What do you recommend? [more inside]
HSA-type health insurance from Oxford, Paying more for prescription medication than out-of-pocket [more inside]