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?
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]
What can I do about an $800 hospital bill? And can an ultrasound really be $1700? [more inside]
Working on a project, and I'm trying to figure out what drugs may or may not be on a formulary. [more inside]
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]
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]
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]
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]
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]
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]
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.
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]
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]
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?
What's the most efficient way to get non-condom birth control without health insurance? [more inside]
I would love the knowledge and insights of Mefites on this decision and on my top three contenders for insurance companies and their networks: Oscar, Health Republic, and Metroplus. [more inside]
I am thinking of retiring early, relatively soon. Probably within five years, maybe much sooner. I want to make sure that I correctly understand various things, so I have several questions related to taxation, Obamacare, health savings accounts, IRAs, and SEPP. [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?
How do I figure out the details on a tricky health insurance situation so I am not doing anything shady, but also don't accidentally end up many thousand of dollars in debt? [more inside]
I'm not sure if i should discontinue my health coverage or not, and how to handle it - and if there's any way to *temporarily* discontinue my health coverage. [more inside]
Our marriage is crumbling, and it's taking me with it. [more inside]
I have recently lost my health insurance. While it is possible I will be reinstated to the plan I lost, which is provided in conjunction with my school, I need to be insured again ASAP, and I don't mind the possibility of doubling up on insurance for a short period of time. New Yorkers, do you know of any affordable (<$500 or so per month) plans I might be eligible for? I am a full time college student. [more inside]
How would Congress control costs in a single-payer healthcare system? [more inside]
Having a pre-midlife crisis. What do I do next? Talk me off the ledge. [more inside]
My brother was scheduled to have knee surgery, but has just lost insurance coverage. How can I help him? [more inside]
I'm a guy. Can I get domestic partner benefits in California with my girlfriend? [more inside]
Uninsured American Health Care Problem: Should I have a somewhat large lipoma (benign fatty tumor) surgically removed before applying for private medical insurance, or would it provide the basis for application denial or drastically raised rates? [more inside]
Is the insurance industry conducting an organized campaign through word of mouth to use the recent healthcare bill changes to maximize profits by manipulating public perception? [more inside]
Health care management: who / what is ITA partners and do I need them? My health insurance provider has passed my info on to a third party vendor. The third party vendor offers optional extra services. Is the third party on my side? Should I accept or reject them? [more inside]
I am on a high-deductible health care plan and have maxed out my plan year out-of-pocket expenses. Our plan year ends in 2 months. Since it won't "cost" us anything more out-of-pocket, what additional elective procedures or tests does it make sense for me and my family to get in the next 2 months? [more inside]
Two questions related to the provision of the US healthcare bill related to dependents getting to stay on parents' plans until age 27. [more inside]
My dept is becoming part of the National Division (home office in Georgia) rather than the Regional Division (where I now work at Regional Division Home Office in PA). I am not physically moving anywhere. My employer is now National Div, even though it is just the parent/umbrella of Regional Div. My insurance carrier will now be BCBS of GA instead of Highmark BS of PA. ADHD is covered by Highmark. It is not by BCBS of GA. I will end up paying about $4000 in out of pocket expenses due to this. Is this legal? What are my options? Supplemental insurance for MH does not exist. I make too much for any state aid and am ineligible for other state MH programs. (there is a TL;DR summary marked as such at the bottom) [more inside]
Should I switch health insurance providers now, or wait, given Obamacare? [more inside]
I'm deeply confused. Other than in a strictly juvenile, we-won-you-lost sense, why and how is the recent US health reform legislation considered a success? [more inside]
I was rejected for individual health insurance with Kaiser Permanente in Southern California due to the preexisting condition of bulimia. I have been told by Kaiser that I can appeal the denial by providing evidence that I have resolved the bulimia. The issue is I do not have much evidence and Kaiser gave me very little direction on how to proceed. If any of you have had experience with this, what type of information did you provide and how did you obtain it? [more inside]
I'm about to purchase private health insurance in the US. How, if at all, should the impending health care reform legislation affect my decision-making process? [more inside]
I'm thinking about switching my health insurance to a high-deductible health plan, but I need to get a handle on what all my allergy prescriptions will cost me. I think that I will be able to build up some stockpiles during this year, but I want to know how much I will actually be out of pocket when it comes time to pay for them. [more inside]
How can I prevent a future health insurance co from discovering a previous dematology treatment and use it for denial of insurance?
I'm an American without health insurance, who needs (minor) dermatological care... how worried should I be that this will prevent me from getting private health care insurance in a year or so (denial due to prior condition)? And what can I do to prevent this from happening? [more inside]
Thoughtful, analytical, objective resources (web and book) on what works and what doesn't in healthcare / health insurance systems around the world? [more inside]
Is my health insurance a rip-off? [more inside]
I Live in A Stupid, NonSocialized Imperialistic Country Filter: Please hope me find private health insurance. [more inside]
I may have breast cancer. I do not have health insurance. What now? [more inside]
How do I fill out an application for short-term health care if I barely even remember which doctors/clinics I've been seen at, let alone why? [more inside]
Health insurance for someone taking a break from college? My girlfriend is taking a few months off from college and so won't be eligible for her parents' health insurance. She doesn't have a job that provides benefits, either. She's in her early 20s and is pretty healthy, but has really awful luck when it comes to random health issues popping up and so it would be a good idea for her to have insurance in the next few months. She's off her parents' policy in the next week or two. What can she do? Would COBRA apply in this case? What other temporary insurance providers are there?
How do I choose a primary care physician? [more inside]