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]
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?
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]
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]
In a few months, I'll be turning 26 and kicked off my dad's policy. [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]
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]
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!
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?
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]
I am a Rhode Island resident. I'm in San Francisco, CA for several months, working. I've decided to buy a car from a friend here, and today I'm going over to give him the money (I've been driving it for a week or two, since he already bought a new car and we trust each other). [more inside]
NYS Health Insurance Filter: I live in New York state. I am between jobs. I just enrolled in Healthy NY because I can no longer afford my monthly COBRA payments through my former employer. The good news is that my monthly premium with my new insurance is reduced by 50% from what I was paying for COBRA. The bad news is, I just realized that in all likelihood none of the prescription medications I take regularly are covered by this plan. Please help me figure out what, if any, my options are at this point. [more inside]
[MA Health Care Filter] I've recently become ineligible for health insurance from my erstwhile employer and need to choose a Massachusetts based insurer to individually purchase coverage from. What is your insurer anecdata? [more inside]
I have a question regarding employer's health insurance coverage of a separated spouse. I understand that the information I might (hopefully) be given would be general and not necessarily pertinent in my case but since it's close to a holiday and I cannot get more specific information until next week, I'm hoping that some general info will calm the freakout I feel just around the corner. [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]
I'm a full-time graduate student & MA resident about to turn 26 in August and lose my parent's health insurance. My school offers health insurance, but it costs $3000 for the year, which I cannot afford. I have looked into applying for MassHealth but it seems like I am not guaranteed to be approved since I do have coverage available from my school. [more inside]
COBRAfilter: Do I make the check for the plan payment out to the health insurance company, or to my former employer? The info packet former employer gave me is woefully shoddily written and leaves out key details like that. I've never enrolled in COBRA before, so not sure what to do. Check is due by Thursday. HR at former company notoriously difficult to actually track down via email or phone to get an answer.
I have health insurance for the first time... what do I need to know? [more inside]
We live in California. My wife had to go to the ER in my Virginia hometown last year. She gave them her insurance info. Four months later, they sent an enormous bill for a small amount of care. [more inside]
My brother was scheduled to have knee surgery, but has just lost insurance coverage. How can I help him? [more inside]
What potential drawbacks could there be if I get tested for the BRAC1 or 2 mutation? [more inside]
Is there an agency or organization to complain to when an insurance company denies a test that results in extended but easily avoidable pain & suffering? [more inside]
I screwed up by waiting too long to get health insurance. Now what do I do? [more inside]
I can insure my spouse through my employer. My spouse can insure me through his employer. Right now we are just going with the better of the two plans. Is there any reason we would want to sign up for both? [more inside]
Is it reasonable for it to take over a week for my doctor's office to get back to me about an MRI? [more inside]
I unknowingly went to a doctor that is not my primary care physician on my HMO plan. What's the damage going to be? What can I do for the best possible outcome? [more inside]
I currently unemployed but have health insurance. It has an insane annual deductible that I cannot afford. I am a diabetic who is running out of refills on my prescriptions. So, how can I cheaply get someone to write me scripts? [more inside]
What kind of recourse do I have when my company's new health insurance will be charging me if I don't take a biometric screening and health assessment? [more inside]
I'm a health care professional, and I recently read on a physician's blog that a negative HIV test on your health record may affect life or health insurance premiums. I have a vague idea of why this might be, but if any infectious disease, insurance or other professionals could shed some light on this, please explain!
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]
Can you enroll in Medicare Part B (medical) only? [more inside]
What to wear to an academic conference in Miami? (plus other advice for Miami & Key West) [more inside]
Is it possible to find a good "renaissance man/jack of all trades" Legal adviser for my real-world questions/grown-up decision making? [more inside]
I was offered a post-doc position in Orlando, Florida today (yay!). As the fantasy of employment after a PhD becomes a (potential) reality, I'm overwhelmed with figuring out what I would need to do and the associated expenses will be required for me take this position. Those who have tread before me, please help steer me in the right directions. [more inside]
Can I and/or should I be reimbursed for an employer-caused lapse of less than 30 days in group health insurance in Connecticut? [more inside]
I'm a grad student in Massachusetts. My school-sponsored health insurance is terrible. The maximum benefit limit is 75,000$ and covers only 80% in-network, 60% out-of-network. I'm poor, but since I'm from abroad, none of the state-supported programs will help. What are my options? [more inside]
What are my options for insurance? [more inside]
Do you know any good health insurance review sites? Would/do you trust them? [more inside]
Our daughter's back was broken when a 67 foot dead ash tree fell on her in a public park. HAP (Health Alliance Plan), our insurance company, is deliberately delaying review of authorization for her to see her neurosurgeon until after her appointment tomorrow. What do we do? [more inside]
I Live in A Stupid, NonSocialized Imperialistic Country Filter: Please hope me find private health insurance. [more inside]
Too many time-sucking choices--need to cut to the Medicare chase if anyone knows the drill out there. [more inside]