384 posts tagged with healthinsurance.
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yet another health insurance terror question

when should i try to sign up for an ACA health plan? [more inside]
posted by poffin boffin on Nov 18, 2016 - 6 answers

What is going on with health insurance customer service departments?

With more than one insurance company in the last year, I've had major problems getting seemingly simple billing issues resolved. I'll be told by customer service that I am correct in my complaint and that a problem will be fixed, but then it isn't. I'll call again and state that the problem wasn't fixed after the first call, and the same thing happens. Does anyone have any insight into what's going on here? [more inside]
posted by wondermouse on Nov 11, 2016 - 6 answers

Confused about health insurance coverage for out-of-network services

Background info: I have an employer-based PPO plan with BCBS. According to the plan, out-of-network providers and services are covered at 80 percent (I owe remaining 20 percent). Deductible: $250 per year, out of pocket maximum: $2k per year which includes deductible and out of network as well. I am undergoing cancer treatment and one of the surgical specialists I want is out of my network. I'm trying to determine if I can afford to see him. See details below! [more inside]
posted by CancerSucks on Oct 12, 2016 - 11 answers

health insurance question

My husband lost his health insurance and I can't add him to mine. Can you give us any advice on how best to proceed? [more inside]
posted by prefpara on Oct 6, 2016 - 11 answers

Is a Canadian eligible for American Health Insurance? If not now, when?

My American husband's brand new job offers health insurance for the entire family. We (me and our child) are here in the US with him but we are Canadian and our present status is as B2 visitor (we are working on the paperwork for immigration). Are we covered by his plan, can we see a doctor here? More detailed questions inside. [more inside]
posted by andreapandrea on Aug 23, 2016 - 7 answers

How do I navigate this health insurance hell?

I applied for health insurance within the time allotted for my special enrollment period, but since they did not receive the (online) application until 63 days after my eligible event, they say I am ineligible. What are my next steps? [more inside]
posted by tweedle on Aug 1, 2016 - 11 answers

ACA Mandate, Employer-Provided Health Insurance, and Changing Jobs

My health insurance through my last job ended on May 31st. From what I understand, Obamacare requires me to get new health insurance within 60 days from that date. My health insurance through my next job will begin sometime after August 16th, which is more than 60 days from May 31st (but not by much!). What do I do? [more inside]
posted by meese on Jul 25, 2016 - 7 answers

So I just go to the Obamacare website and pick a plan then?

My health care co-op has folded and I need to get new insurance. Is there any benefit or reason to see a health insurance broker, or do the plans listed on the ACA website cover all the choices I have available? Is there anything I should do other than simply shop on the ACA website and compare plans? [more inside]
posted by AspirinPill on Jul 22, 2016 - 15 answers

Is cosmetic mole removal covered by insurance?

I have a prominent mole on my face that I'm just tired of looking at -- plus, it's gotten bigger since I was young. I have a consultation with a plastic surgeon soon. (I'd rather he do it than my dermatologist, to minimize the risk of scarring.) If a mole is benign, does insurance typically cover its removal? [more inside]
posted by trillian on Jul 15, 2016 - 21 answers

Best travel insurance for Americans visiting the US from Japan?

Hey there! My wife and I are two Americans living in Japan, so we've gotten used the idea of being able to see a doctor if we need to, and now that we're in our thirties it suddenly occurs to us that maybe we should make sure we have health insurance for our three-week trip to America, because otherwise it could pretty easily mean just sort of running out of all of our money if something goes wrong. Does anyone have any suggestions for good travel insurance companies to go with, or ones to avoid?
posted by DoctorFedora on Jun 23, 2016 - 2 answers

Auditing myself

How do I review, audit, question, and negotiate this stack of medical bills? Employer-based insurance that is a PPO. It's decent. But the hospital's billing department, not so much... Lots and lots of individual bills. Most valid, but some may not be. [more inside]
posted by heigh-hothederryo on May 29, 2016 - 2 answers

Employer doesn't know how pay promised insurance benefit

Employer promised health insurance and is now saying the Affordable Care Act is too confusing to figure out. [more inside]
posted by anonymous on May 20, 2016 - 11 answers

having trouble parsing new HHS rules for insurance companies

Today the US Department of Health and Human Services (HHS) issued a final rule prohibiting denial of coverage based on gender identity. I am trying to figure out exactly what this means in my situation. [more inside]
posted by AFABulous on May 13, 2016 - 13 answers

How to fight health insurance claim denial? (US edition)

I had a tubal ligation/IUD removal earlier this year (salpingectomy, to be precise), and was told by multiple insurance company reps that it was covered at 100% because it's considered preventative birth control. Months later, United has denied the claim saying that it was a diagnostic procedure. I've already appealed once and only have one more chance and have no idea what to do differently this time. Meanwhile, the doctor's offices want their money, and rightly so. What is the best strategy to get United to cover this? [more inside]
posted by PaulaSchultz on May 9, 2016 - 13 answers

Are all qualifying life events created equal?

My understanding was that a "qualifying life event" - new job for you or spouse, you or spouse divorce/die, you or spouse give birth to or adopt a child - opened a free open enrollment period for you, spouse, and child, wherein you could do things such as decline insurance from one spouse's plan and both enroll on the other plan, and generally make whatever health insurance changes you wanted to. My HR rep told me that this is not always the case for birth/adoption of a child specifically - more inside. [more inside]
posted by permiechickie on Apr 13, 2016 - 10 answers

New eye doctor. Bad experience.

I can't tell if this doctor is just a jerk, or if they committed a legitimate violation. [more inside]
posted by nightrecordings on Apr 2, 2016 - 23 answers

HSA funds for treatment w/out submitting to insurance

My friend has been seeing a psychologist, but not submitting the bills to insurance. Can they use their HSA funds to pay the bills? [more inside]
posted by bleep on Mar 6, 2016 - 9 answers

Health Insurance Employer Contribution Question

My employment offer states “$200 per month health care contribution.” There’s an employer plan offered, but none of the premiums are under $300, which means I’m left paying the difference. Right now I pay less than $200 for an individual healthcare.gov plan, which works for me. I’d like to keep my current plan and ask my employer to give me the promised $200 directly. Can I do that? Are there any tax concerns? Do I have any other options? Thanks!
posted by Hoenikker on Mar 3, 2016 - 13 answers

Parent/adult child creative financial planning

I am an only child in my early 30s; my mom is in her late 50s. I have a good income, while she does not really make a living wage and has no retirement savings or pension. I am committed to taking care of her, and I want to try thinking about our finances in a unified way. [more inside]
posted by ecsh on Feb 21, 2016 - 6 answers

Help me find insurance

Demographic info: Male, 31, Oregon Complications: Semi chronic joint problems, somewhat unstable employment [more inside]
posted by 0bs01337 on Feb 18, 2016 - 5 answers

How can I get my health insurance to cover Implanon?

Asking for a friend. How can I get my health insurance to cover Implanon or another contraceptive implant? [more inside]
posted by czytm on Feb 11, 2016 - 12 answers

Getting off the gravy train

I want to quit my stable and perfectly good job to do: nothing. Am I an idiot? [more inside]
posted by theodolite on Feb 10, 2016 - 45 answers

How can I buy a health insurance plan that's not on sale?

Friday, the State of Oregon said that it was forcing our health insurance company, Moda, to get out of the business of individual policies. It is not clear what will happen to the 67K people insured by Moda. I want to buy a new policy by Sunday night. Help. [more inside]
posted by hungrytiger on Jan 31, 2016 - 3 answers

Can they charge for that? Understanding the U.S. health system.

Can a doctor perform a test without informing the patient that they will be charged? I'm new to the U.S. and have twice been slapped with bills for work that was done in the doctor's office, so I had no idea there would be a fee separate from the visit. [more inside]
posted by Miss Viola Swamp on Jan 2, 2016 - 11 answers

I accidentally spent $1700 in 10 minutes without knowing it.

What can I do about an $800 hospital bill? And can an ultrasound really be $1700? [more inside]
posted by anonymous on Dec 28, 2015 - 21 answers

Will I be Fined if I don't Give my Health Insurance Provider my SSN?

My health insurance provider wants my social security number. Do I need to give it to them? [more inside]
posted by alan on Dec 11, 2015 - 5 answers

Formularies -- What drugs are covered?

Working on a project, and I'm trying to figure out what drugs may or may not be on a formulary. [more inside]
posted by emkelley on Dec 10, 2015 - 8 answers

Making up for Covered CA anticipated income discrepancies

I significantly underestimated my (often wildly varying) income when I signed up for Kaiser health insurance through Covered California at the beginning of the year, and later dragged my feet about updating my income information, figuring I'd have to pay it back in a tax penalty next April anyway. I have a few thousand dollars in a non-expiring medical reimbursement account with ADP. Is there a way to apply those funds to my tax penalty somehow, or do something equivalent? [more inside]
posted by tapir-whorf on Dec 7, 2015 - 4 answers

Doctors & politics

Is it moral for me to choose my doctor based on political views? [more inside]
posted by quadrilaterals on Nov 6, 2015 - 26 answers

health insurance timing question

I currently have insurance through Obamacare. I will be starting a new job next week, on Wednesday November 4. I will be able to enroll in healthcare at my new company from day 1. But, I have a couple of doctors appointments between now and my first day at work, and so now I have a timing conundrum. Help? [more inside]
posted by thereemix on Oct 28, 2015 - 13 answers

Should I buy a PPO insurance plan in addition to my Kaiser coverage?

I have Kaiser insurance through my mom's employer (I'm 23), but due to the fact that I'm trans and have psychiatric illnesses I'm really unsatisfied with the care that I get through Kaiser. Let's put it this way: I'm totally at my wit's end. More and more I'm thinking it might be a good idea to buy a PPO plan (Blue Shield, et al) through Covered California this enrollment period. Could you help me suss out some of the issues at play here? Snowflake details within. [more inside]
posted by lilies.lilies on Oct 13, 2015 - 13 answers

What might I do with this insurance denial of coverage issue?

I have a six-year patient-doctor relationship with a psychiatrist who is the best. I'd very much like to continue it. But he is in his late eighties, a sole practitioner, and does not understand the internet. My insurer, Aetna, has messed things up in a mind-blowing way, and to fix it, they want my doctor to communicate via the intertubes--they refuse to address it via mail or phone. This has my doctor at a loss. How can I, the insured, make some righteous noise about this? More inside. [more inside]
posted by angrycat on Sep 17, 2015 - 6 answers

Recommend an insurance plan from New York Healthcare Exchange?

I'm looking for any wisdom or caution about navigating individual plans in NYC. [more inside]
posted by annabellee on Aug 28, 2015 - 5 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

Help navigating USA insurance and employment for a sick relative.

One of my relatives has cancer. They’re getting treatment right now and understand the treatment plan. But since we’re in the US, of course there are insurance and employment woes messing it all up. I need help helping them navigate these issues. [more inside]
posted by Tehhund on Jul 31, 2015 - 6 answers

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


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

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