349 posts tagged with healthinsurance.
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Affordable Care Act Questions

I recently lost my healthcare coverage and would like to explore scenarios for obtaining coverage for my estranged wife and the rest of my family. [more inside]
posted by Mister_A on Jul 6, 2015 - 6 answers

Help me dispute my insurance company

My partner was recently in a life-threatening accident, and he went to the closest hospital - which happens to be the only hospital in a 100 mile radius that is out of network for our insurance company. Do we have any recourse? [more inside]
posted by raspberrE on Jun 27, 2015 - 17 answers

No ADHD in Europe means no pharma coverage in US?

Last night when I picked up my and my adult son's prescriptions for ADHD meds, I groused that the insurance company didn't consider them maintenance meds. Consequently I have to pay full price until I meet my deductible. The pharmacy employee (not a pharmacist) told me it was because there is no ADHD in Europe. [more inside]
posted by Biblio on Jun 20, 2015 - 17 answers

Healthcare on the cheap

Are F1 students in the US eligible for Obamacare subsidies? This is in California. [more inside]
posted by Tamanna on Jun 19, 2015 - 7 answers

Insurance deductible and being broke

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]
posted by motioncityshakespeare on Jun 14, 2015 - 14 answers

Short-term health insurance for someone with unclear national residence

I'm in the middle of a 2-week period during which it is not clear to me in which country I am a resident for the purposes of buying travel medical insurance. I'll be traveling to the US for the last 3 days of that period and will need medical insurance. This seems to require residency in the country from which one is traveling. I'm a 27-year-old person with no known serious medical condition, so I just want something that will cover emergencies. Please hope me. [more inside]
posted by busted_crayons on Jun 11, 2015 - 3 answers

Help me buy my parents health insurance (MA)

I'd like to pay for my parents health insurance so they can stop working. But I'm unclear on how to proceed. [more inside]
posted by mpbx on Jun 1, 2015 - 4 answers

Navigating Health Insurance in Washington?

My girlfriend (domestic partner, not registered) has had a ton of trouble navigating the new health insurance landscape. The application process this year was confusing as hell. Today we tried to take her in to see her regular doctor of many years, only to be turned away because now that she's on state insurance, her doc can't see her even if we want to pay out of pocket. This is turning traumatic. We need to find someone or someplace to help us sort this out. Help? [more inside]
posted by scaryblackdeath on May 13, 2015 - 5 answers

Health Insurance for 2+ months

I just found out today that since I am going to part time status at the end of this month, my health insurance will not be continuing through the end of the summer. 3 states and stop-gap health insurance snowflakes inside. [more inside]
posted by chainsofreedom on May 11, 2015 - 8 answers

Inhumana

What does it mean when medical insurance applies a negative exclusion amount to a charge? [more inside]
posted by michaelh on Apr 26, 2015 - 8 answers

U.S. health insurance scam of the minute.

I need COBRA health care coverage only for a week in March. Ceridian says I need to pay them for half of March and all of April because of "COBRA guidelines." Rat smelled. [more inside]
posted by Sheydem-tants on Apr 20, 2015 - 6 answers

American ex-pats (present or former) I need your help!

Please, someone tell me how to get insurance for the several months I am in the US without being a permanent resident. [more inside]
posted by EtTuHealy on Apr 9, 2015 - 5 answers

How can I win this appeal vs. my insurance company?

I have breast cancer. My health insurance company, which has paid out tens of thousand of dollars in the past two months with not a peep of protest, has now denied the $6000 genetic testing to determine whether I have the BRCA (and other) mutations. I am not really surprised, but I don't want to pay $6000 out of my pocket, either. [more inside]
posted by something something on Apr 6, 2015 - 12 answers

Need Health Insurance, Will Travel

Leaving California for a while for life on the road. Health insurance only covers me in CA, and not very well. What are my options for changing insurance? I do not qualify for any subsidies under the affordable care act. [more inside]
posted by justjess on Apr 5, 2015 - 1 answer

Last minute marriage, need to not pay for health insurance twice

We got married on the spur of the moment and are now facing the prospect of paying for health insurance twice for the first couple of months of being married. [more inside]
posted by anonymous on Mar 28, 2015 - 4 answers

Multiple private health insurers?

USA insurance-filter: is it possible to be covered by 2 private insurance plans at once? We like my wife’s employer’s insurance, but it doesn't cover the expensive fertility treatments that we’ll be receiving soon. My work’s insurance does cover those treatments. Can we pay for both insurance plans and be covered by both? [more inside]
posted by Tehhund on Mar 27, 2015 - 10 answers

Which health insurance policy should I use at this appointment?

I have an appointment with a psychiatric nurse tomorrow, I have two insurance policies that overlap until the end of the month, and I don't know which policy would be the smartest to use. [more inside]
posted by fantoche on Mar 24, 2015 - 11 answers

Preventive visits on high deductible plans?

I am using my high deductible health insurance for the first time. "Preventive" services are completely free. Help me understand how to stay within preventive services. [more inside]
posted by zeek321 on Mar 24, 2015 - 12 answers

How to get details of coverage for a preexisting condition?

USA insurance-filter: we can't have kids naturally and need either surgery or IVF. We are on my wife’s insurance, which does not cover either of these. My employer's insurance says it does, but before we switch I want to be very sure these things are covered and understand any limitations. Can I just ask the insurer directly? [more inside]
posted by Tehhund on Mar 18, 2015 - 5 answers

Why no health insurance tax credit if bought direct from Kaiser?

Can someone explain the rationale for requiring health insurance to be purchased through a "marketplace" in order to qualify for a tax credit. [more inside]
posted by Pembquist on Mar 13, 2015 - 6 answers

The order health insurance claims are processed: does it matter?

I have some health insurance claims getting processed out of order and I'm wondering how this affects what I'll owe. I'm also wondering what happens when you go over your deductible with a claim rather than hitting it exactly (which must be what happens most of the time, since I doubt most people hit their deductible exactly). [more inside]
posted by sunflower16 on Feb 22, 2015 - 3 answers

Health insurance question

I got a job! But my health insurance doesn't start until August 1, and my current coverage runs out on May 31 - and there is no COBRA option. What do I do? [more inside]
posted by anonymous on Feb 18, 2015 - 9 answers

TMJ and insurance

Asking for a friend: "I have TMJ & I'm looking for new insurance. I've noticed that Health Choice Insurance doesn't exclude TMJ, but you have to be authorized for it. The company seems small, and to partner with a handful of clinics. Does anyone have experience with this company, or with a different company who would cover an occlusional splint specifically made for the treatment of TMJ?" [more inside]
posted by Weeping_angel on Jan 22, 2015 - 4 answers

temporary health insurance via health benefit exchange in New York

I need to obtain some sort of health insurance for myself to cover between now (or February 1) through the end of March. I live in New York. Is it possible to get temporary health insurance through the health benefit exchange, or would I be locked into a longer plan? [more inside]
posted by thereemix on Jan 13, 2015 - 5 answers

The absolute best health insurance money can buy for a small company

I'm looking for the best health insurance money can buy for a company with a few employees in California. It's too small to self-insure, but wants to cover everything very well (mental health, chronic illness, fertility/pre-natal, holistic health, etc.) I've been searching online and can't seem to figure out what is best (only what has the highest premiums). Hope me! [more inside]
posted by 3491again on Jan 9, 2015 - 12 answers

Contemptible insurance reimbursement for out-of-network psychotherapy.

The BlueCross BlueShield plan I've had for a few years "allows" only $78 of the $180 that my out-of-network therapist charges. Other companies can't/won't tell me what their allowed amount would be. Does your plan "allow" more than mine does? I just don't understand how they can say that the "reasonable, usual and customary charge" for a therapy appointment with a Ph.D. therapist is $78, because that's just ridiculous. Am I missing something here? Or is this just the insurance companies being $&%#?!*@.
posted by early one morning on Dec 1, 2014 - 14 answers

Insurance for American Expat who also spends a lot of time in America!

I'm a US Citizen, but I consider myself an expat in the UK, where i have permanent residence. I do spend several months out of the year in the US. What kind of health insurance should I have? [more inside]
posted by EtTuHealy on Dec 1, 2014 - 4 answers

How does CalPERS work with Covered California?

Dream job pays $35k/year, health insurance is mandatory through CalPERS at $750/month (no employer contribution.) Since that would be more than 9.5% of my income, it looks like Covered California would kick in a subsidy. How does that work-- what do I ask for? [more inside]
posted by blnkfrnk on Nov 30, 2014 - 4 answers

Does Mass Health Have Consumer Offices?

Stepson now lives in Massachusetts. He needs Obamacare, but has an aversion to the phone and has not figured out the website. Is there a physical office in Boston (ideally near Cambridge) where a live human could help him sign up?
posted by musofire on Nov 18, 2014 - 7 answers

How to have an adult assessed for autism for insurance purposes

What do I need to do and where do I need to go to have my adult brother receive a professional assessment stating he has autism and will need lifelong health insurance through my father? [more inside]
posted by srrh on Nov 7, 2014 - 8 answers

What is the cheapest way to get a prescription written for Lamotrigine?

I need to get a prescription for Lamotrigine. I have been on this drug for years, but my refills are about to run out. I need to find the cheapest way to go about this. I'm in the US and I have not met the deductible on my insurance. I can't go back to the last prescriber because I owe them money I don't have. [more inside]
posted by desjardins on Nov 5, 2014 - 12 answers

Should I put my kids on Medicaid?

Under my current health insurance, I am being forced to switch to a more expensive ACA compliant health insurance plan ... [more inside]
posted by anonymous on Oct 30, 2014 - 10 answers

Travelling to the U.S. from Canada: Health Insurance

My Canadian relatives often travel to the U.S. to see me, and they have become increasingly concerned about their health insurance coverage, to the point where they are considering not making any future visits. They do buy Blue Cross, but they say that it won't cover pre-existing conditions. Is this true? What happens if one of them falls ill while they are here with something pre-existing? Any Canadians with personal experience getting sick while out of the country?
posted by nanook on Oct 26, 2014 - 6 answers

Help me help - U.S. healthcare woes

My dear friend is resigning from her job in the near future. She will move to another state in 2-3 months and plans to go without health insurance until she can find a job there. Is this as bad an idea as I think? How can I help? [more inside]
posted by ista on Oct 9, 2014 - 15 answers

I have health insurance. Now what?

Asking for a friend: Please help a complete (and mostly healthy) newbie figure out how to navigate the US healthcare system in CA. Explaining like you would to a five-year-old would be great. [more inside]
posted by Tamanna on Oct 8, 2014 - 16 answers

The little guy in my head

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 - 16 answers

Baby's first insurance penalty

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 - 15 answers

Long Term International Health Insurance for Preexisting Conditions?

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 - 4 answers

Recs for a Dallas psychiatrist and a G.P. who take Cigna insurance?

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 - 3 answers

MD Health Exchange Woes

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 - 6 answers

Temporary health insurance in MA

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 - 17 answers

Where to get individual health care in California

In a few months, I'll be turning 26 and kicked off my dad's policy. [more inside]
posted by madonna of the unloved on Jul 30, 2014 - 7 answers

Obamacare when switching jobs?

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 - 7 answers

Oh my god, please help me figure out temporary health insurance.

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 - 16 answers

Baby on it's way/health insurance problem

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 - 6 answers

Would you pay an extra $1K/yr to be able to choose your own doctors?

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 - 23 answers

Do I have to cancel my health insurance plan?

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 - 1 answer

Health insurance deductible question.

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 - 20 answers

Why do employers promote HSA over PPO?

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 - 26 answers

How do I insure a newborn on short notice?

We just found out the baby we're having any day now is probably not eligible for medical care at birth on her mother's insurance plan. Help! [more inside]
posted by The Winsome Parker Lewis on May 22, 2014 - 17 answers

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