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]
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]
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]
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]
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]
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]
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]
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]
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]
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]
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]
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]
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]
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 $&%#?!*@.
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]
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]
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?
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]
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]
Under my current health insurance, I am being forced to switch to a more expensive ACA compliant health insurance plan ... [more inside]
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?
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]
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]
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]
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]
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]
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.
In a few months, I'll be turning 26 and kicked off my dad's policy. [more inside]
I'm moving to Texas for a new job in a few weeks. I have a health insurance question. [more inside]
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]
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]
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 $1,000. I'm a 26 year old female but I'm not exactly "healthy". I have mysterious, debilitating, chronic joint pain all over (undiagnosed as of yet), a couple car accident-related injuries that flare up every now and then, and I need to get a pap smear every 3 months due to a recent scare. So acupuncturists, chiropractors, internists, rheumatologists, and gynecologists must all be within easy reach for me. [more inside]
I signed up for health insurance via the NY State health insurance exchange in February. At the time, I was unemployed and eligible for Medicaid, which I accepted so my plan was of no cost to me. Fast forward to today, and I have job and I am also covered by employer's health insurance. Is there anything I have to do, such as cancel the plan, because I am now under my employer's insurance plan?
Say I have a 2500$ 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]
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]
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]
I'm trying to lower my car insurance rates and the rep with my insurance company suggested I drop stacked uninsured motorist coverage because I already have health insurance. I understand how the stacked coverage works but it seems redundant to carry it if I have heath insurance coverage. Am I misunderstanding how UIM coverage works?
I've been working as a part time employee for awhile but recently my hours have been increased for some special projects. I've been working 30-40 hour weeks. I do not get health insurance or any other benefits because I am not considered a full time employee. Are they required to give me benefits at some point? How should I approach this with them? I'm in the US. [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.
My friend "Rita" is gravely ill. She wants to go see an out of state doctor ("The Specialist") who is maybe the last person who could help her, but her current insurance doesn't cover his office. She needs to buy some new insurance as soon as possible. How? [more inside]
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 am aging out of my health insurance and totally clueless. Help this soon to be 26 year old find resources to unravel this mess. [more inside]
I am doing some rather obscure research on the health insurance industry. I'm having some trouble finding the information I'm looking for. Hopefully someone here can help! [more inside]
My last job had health insurance through a certain company I'll call WORST COMPANY, and they capriciously decided to be assholes about pre-certifying a surgery that my husband needs, as per my husband's surgeon (the surgeon is ready to go, he's been treating my husband for this condition for years now, and he says this is what's required. We've done all the conservative measures and they didn't help). We were fighting with them for almost a year and it was a whole big thing including trying to appeal to the state (which didn't work because then we found out my then-employer had a self-insured plan). It's a long story but please take my word for it that it was capricious and not our fault. I just got a new job and thought "Thank god, we'll start over with someone else." Except my two options are a high-deductible plan through OKAY COMPANY and a regular PPO through...........WORST COMPANY. [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 a trans woman. Recently, I received a job offer from a private higher education institution in New York City. I would really like to accept the job, but repeated conversations with the individual who recruited me—who has been asking questions on my behalf to the institution's Human Resources department—have left me unsure whether or not their health insurance will cover trans-related care. How do I get this information? Can I get this information? [more inside]
Given my ADHD, there is nothing more fun than filling out any kind of form. I have gone through the Covered California website and at the point where I am supposed to choose a health plan. Only I can't. I can't find any catastrophic health insurance plans on Covered California or on eHealth.com. [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?