I have a BB in my forehead (my left eyebrow to be precise). I haven't had any issues until recently-- I've been having headaches with pain focused on this area. The BB isn't really noticeable until I raise my eyebrow, but you can definitely feel it. I don't know what kind of BB it is, either. [more inside]
posted by thefang
on Sep 17, 2014 -
We welcomed Baby NDG to the world just over a month ago and was added to my wife's insurance. Baby was admitted to the NICU (for monitoring) for four nights, which included one night after my wife was discharged from the hospital. The insurance (BCBS Platinum PPO in IL) is now sticking us with a $500 penalty for failure to "pre-certify" baby's inpatient stay. Is there anything we can do about this? [more inside]
posted by ndg
on Sep 2, 2014 -
I broke my back a few years ago and suffer from mild paralysis. I found a great job overseas (in Israel) but now I need to find a health insurance plan that covers my pre-existing condition. [more inside]
posted by arcederberg
on Aug 29, 2014 -
Depressive here. If you know of a Dallas psychiatrist that you have heard good things about who takes Cigna, I sure would appreciate their name. I could also use the name of a good general practitioner that takes Cigna, but this is secondary to my main concern of finding the psychiatrist. Thanks for any suggestions. [more inside]
posted by anonymous
on Aug 20, 2014 -
I've been applying for health care since November, but I'm still on my pre-ACA health care plan. People at the Maryland Health Connection tell me that my information has been sent to my provider three times, but my provider says they've never gotten anything. What can I do? [more inside]
posted by Akhu
on Aug 6, 2014 -
My girlfriend's insurance expires August 23rd and her new one does not kick in till November (she just got a job as a teacher after being in grad school full time).
She is 35 and we live in Mass.
She needs some form of temporary health insurance for those two months. She has been online and could not find anything like that for people over 30 in our zipcode.
posted by spacefire
on Aug 5, 2014 -
I'm moving to Texas for a new job in a few weeks. I have a health insurance question. [more inside]
posted by griseus
on Jul 29, 2014 -
I need temporary catastrophic health insurance for a month and a half, with a major complication: I'll be living in four different states (NY, PA, CA, and IL) in that time, so the state-specific Exchange options won't work. I just want to make sure I don't go bankrupt if I get hit by a bus on one or the other ends of the country! [more inside]
posted by you're a kitty!
on Jul 25, 2014 -
My pregnant wife and I are leaving our job at the end of the summer (not our choice) with no new job lined up. We will need to get our own health insurance when we leave the job. We don't really live anywhere now, and we aren't sure where we will have the baby yet, maybe NH, or NY, or RI, or ME, or the VI. Is there an insurance plan that offers us coverage in multiple places? PPO, HMO, walk me through this. This is our first time buying insurance. [more inside]
posted by karst
on Jul 9, 2014 -
How much is it worth to you to have (relative) freedom of choice? Enrolling in health insurance and I'm debating between an HMO and a PPO (both under Blue Shield of CA). The difference in cost is roughly $1,000. I'm a 26 year old female but I'm not exactly "healthy". I have mysterious, debilitating, chronic joint pain all over (undiagnosed as of yet), a couple car accident-related injuries that flare up every now and then, and I need to get a pap smear every 3 months due to a recent scare. So acupuncturists, chiropractors, internists, rheumatologists, and gynecologists must all be within easy reach for me. [more inside]
posted by doctordrey
on Jun 19, 2014 -
I signed up for health insurance via the NY State health insurance exchange in February. At the time, I was unemployed and eligible for Medicaid, which I accepted so my plan was of no cost to me. Fast forward to today, and I have job and I am also covered by employer's health insurance.
Is there anything I have to do, such as cancel the plan, because I am now under my employer's insurance plan?
posted by hobodeluxe
on Jun 8, 2014 -
Say I have a 2500$ deductible, and I get blood work totaling over 2500$ which the diagnostic company has billed the insurance company for, but agreed not to bill me for ... [more inside]
posted by phox
on Jun 3, 2014 -
Why do companies promote HSA as superior to PPO, is there some benefit to them?
Barring any extreme medical circumstances, when does HSA make sense over PPO? [more inside]
posted by nodebunny
on May 30, 2014 -
I'm trying to lower my car insurance rates and the rep with my insurance company suggested I drop stacked uninsured motorist coverage because I already have health insurance. I understand how the stacked coverage works but it seems redundant to carry it if I have heath insurance coverage. Am I misunderstanding how UIM coverage works?
posted by photoslob
on May 16, 2014 -
I've been working as a part time employee for awhile but recently my hours have been increased for some special projects. I've been working 30-40 hour weeks. I do not get health insurance or any other benefits because I am not considered a full time employee. Are they required to give me benefits at some point? How should I approach this with them? I'm in the US. [more inside]
posted by anonymous
on May 16, 2014 -
Posting this question for a friend:
I am moving, and will be looking for a job in my new state. I am hoping to find something quickly, but will be unemployed as of the time I move because I am quitting my current job. Is Cobra my only option, or is it possible to qualify for a plan through the exchange (possibly with subsidies)? My concern is that all the plans on the exchange website for the state I am moving to (Massachusetts) require me to be an in-state resident, which I am not yet because I have not moved.
posted by rainbowbrite
on May 9, 2014 -
My friend "Rita" is gravely ill. She wants to go see an out of state doctor ("The Specialist") who is maybe the last person who could help her, but her current insurance doesn't cover his office. She needs to buy some new insurance as soon as possible. How? [more inside]
posted by sockanalia
on May 5, 2014 -
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 -
I am aging out of my health insurance and totally clueless. Help this soon to be 26 year old find resources to unravel this mess. [more inside]
posted by Aranquis
on Apr 22, 2014 -
I am doing some rather obscure research on the health insurance industry. I'm having some trouble finding the information I'm looking for. Hopefully someone here can help! [more inside]
posted by prunes
on Apr 18, 2014 -
My last job had health insurance through a certain company I'll call WORST COMPANY, and they capriciously decided to be assholes about pre-certifying a surgery that my husband needs, as per my husband's surgeon (the surgeon is ready to go, he's been treating my husband for this condition for years now, and he says this is what's required. We've done all the conservative measures and they didn't help). We were fighting with them for almost a year and it was a whole big thing including trying to appeal to the state (which didn't work because then we found out my then-employer had a self-insured plan). It's a long story but please take my word for it that it was capricious and not our fault. I just got a new job and thought "Thank god, we'll start over with someone else." Except my two options are a high-deductible plan through OKAY COMPANY and a regular PPO through...........WORST COMPANY. [more inside]
posted by bleep
on Apr 16, 2014 -
I just returned from West Africa and have a number of symptoms consistent with malaria - or the flu. I have no healthcare, through circumstances beyond my control (I'll elaborate) until May 1. When is it worth it to go to the doctor to get tested? How can I try to keep this from being a pre-existing condition, given that it may be the recurrent form? [more inside]
posted by anonymous
on Apr 11, 2014 -
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]
posted by anonymous
on Apr 3, 2014 -
Given my ADHD, there is nothing more fun than filling out any kind of form. I have gone through the Covered California website and at the point where I am supposed to choose a health plan. Only I can't. I can't find any catastrophic health insurance plans on Covered California or on eHealth.com. [more inside]
posted by Bella Donna
on Mar 31, 2014 -
I am trying to pick between two health plans. The higher deductible plan makes more sense for me except for one thing – there is no out-of-pocket limit for out-of-network treatment. This seems like a big flashing warning sign to me, but I’m not sure how avoidable out-of-network care is. For example, would being taken to an out-of-network hospital after a car accident start triggering unlimited expenses that I would be entirely responsible for? Is this a plan I should stay away from?
posted by parallellines
on Mar 25, 2014 -
What's the most efficient way to get non-condom birth control without health insurance? [more inside]
posted by Sara C.
on Mar 14, 2014 -
I've just moved back to New York from Europe. My European health plan (which covers me for emergencies while I'm in the US) is going to run out in ten days. I am starting a US job with health insurance coverage within the next month or so. Where can I buy coverage for the next month or two to bridge the gap? [more inside]
posted by pete_22
on Mar 11, 2014 -
If I go from part-time to full-time, is my employer (small business owner, <20 employees) obligated to offer me health insurance? [more inside]
posted by anonymous
on Mar 4, 2014 -
I work at my local County Hospital and for the last two weeks we've had a very low census. I hear rumors that the local Giant HMO and local For Profit Hospital Chain are packed right now. I also know one Local For Profit but Independent and Unaffiliated Hospital is at risk of closing right now because of extremely low census. So for folks who actually work in hospitals (and clinics?) are you seeing a change in number of patients since Obamacare started? [more inside]
posted by latkes
on Mar 3, 2014 -
We need to pick ACA insurance in NYC and after some research are most likely going with the Gold Health Republic PrimarySelect plan (which uses MagnaCare's network.) Is there a very good reason to not go with Health Republic or PrimarySelect, considering what the other NY options are? We're not eligible for PrimarySelect EPO or else we would have gone with that.
thanks so much.
posted by Blisterlips
on Feb 11, 2014 -
So, my wife is going to give birth in Mid-to-End of June. She has a deductible "reset" date of June 1. How does this work? [more inside]
posted by Debaser626
on Feb 6, 2014 -
I see two medical providers on a frequent (weekly to monthly) basis. Neither provider accepts insurance. This means that to receive reimbursement I have to mail invoices manually to my health insurance carrier. The process is very difficult to manage. Please help me. [more inside]
posted by prunes
on Jan 26, 2014 -
Where can I find affordable health insurance? I'm on COBRA since striking it out on my own, but currently have not started making revenue, and am worried about options once that runs out. My current high deductible plan from UHC costs ~$213/mo ($2700 deductible) and includes EyeMed vision and dental (additional $35). I know I won't find anything this good post-COBRA but hoping there's something close?
I know that since ACA has started that individuals can buy insurance off exchanges (I am in NYC, so will be more expensive, I know..). Will definitely be checking that out. Freelancer's Medical has come up in my searches. I don't think that entrepreneurs (who are not freelancers getting 1099s) qualify for Freelancer's, but checking with them. Not sure we qualify for HealthyNY for small business (individual option has been terminated post-ACA), since we are an LLC but I am the only full-time partner (the rest have day jobs).
Are there other options I'm not aware of? Thanks for any help!
posted by vlotty
on Jan 14, 2014 -
The New York insurance website said I qualify for Medicaid. This means I'm not eligible for the regular subsidized plans and must pay full price for them if I want them. This makes no sense whatsoever, but nobody will budge on this. What can I even do? [more inside]
posted by dekathelon
on Jan 11, 2014 -
That's pretty much the whole question. I ask because I am signing up for Covered California and am leaning toward Kaiser, as that is the health provider I will have up to Dec. 31 of this year and it would be nice to not switch everything around. But the plan I am looking at charges $19/30 day supply for generic medications, and I know that one of my meds can be bought at Target for $10/90 day supply. I know that the normal Kaiser process is to use the in-house pharmacy, but I wonder if doctors will write a prescription that you can take elsewhere. Medications form the bulk of my healthcare spending so this could potentially make a big difference to my meager budget.
posted by imalaowai
on Dec 20, 2013 -
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 -
I've been offered to be hired where I have been a contractor. However, there is a health insurance issue that would cost me a lot of money for several months. But I would have a great retirement plan. I have nothing in savings and $100k I just consolidated in student loans, so this issue is just complicating things. [more inside]
posted by McSockerson The Great
on Dec 15, 2013 -
I have health insurance, and the co-pay will be about 3150. Should I do it now, or wait? [more inside]
posted by anonymous
on Nov 27, 2013 -
We just found out I'm pregnant. Yay! My husband also just started a new job, which is requiring us to move states sometime between now and early spring, which means I have to quit my job and we have to change insurance. I'm not sure how best to handle this. [more inside]
posted by sockon
on Oct 31, 2013 -
I will need new health insurance as my insurance company is dropping individual policyholders in my state ahead of the new Affordable Care Act. I do not qualify for any subsidies under the new law and have no reason to think that will change. A friend suggested that I avoid buying insurance through our state exchange and buy straight from an insurance company to keep the IRS and government out of my health business. Is this a valid argument?
posted by cecic
on Oct 25, 2013 -
Under the new Affordable Health Care Act (Obamacare), can a small employer (under 25 FTE) choose who is eligible for a group plan based on merit or as an incentive? Basically, not have a set guideline as to who is eligible and who isn't?
posted by Snackpants
on Oct 21, 2013 -
I'm allowed to choose a health plan through my employer. Out of the nine options, I've managed to narrowed it down to five. Scanning through the comparison chart, they all look about the same. They all make you choose a primary care physician and coordinate everything through her or him. Copays are about the same. Premiums vary within $20/month or so. Does anyone have any experience with any of these? Any strong recommendations or dire warnings? [more inside]
posted by trevor_case
on Oct 10, 2013 -
I'm trying to help someone be in the best position with healthcare benefits. It sounds like they may be able to be covered by both their COBRA continuation plan *and* a new group plan through a spouse's employer. There's some tricky wording in the COBRA rules. Is this possible? [more inside]
posted by reeddavid
on Sep 27, 2013 -
I am recently unemployed (as of Sept 1st) and will be moving from Texas at California in late October. Please help me figure out what I need to do for health insurance. [more inside]
posted by Durin's Bane
on Sep 23, 2013 -
I'm temporarily unemployed in NYS. My wife's a grad student, and her college provides health insurance for the two of us for about $7500 for the year, paid up front by the end of September. That's $2500 for her, and $5000 for me. We can afford it, but it seems very steep. Can the hive mind suggest any alternatives? Amazingly, this seems like the best deal I can find. [more inside]
posted by Estragon
on Sep 18, 2013 -
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]
posted by spicynuts
on Sep 3, 2013 -