356 posts tagged with healthinsurance.
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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

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

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