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Life counts as a pre-existing condition, right?

I'm finally in a place where I can afford health insurance (catastrophic, at least) in Washington state. So far all I'm really doing is looking at plans on ehealthinsurance dot com...but if there are things to look out for or better ways to shop, I'd really appreciate the input. I'm healthy but nervous about being ripped off. [more inside]
posted by scaryblackdeath on Nov 21, 2011 - 7 answers

 

Health insurance is hard; let's go shopping!

[Massachusetts filter] Anyone have any experience with Tufts medical plan and getting Wellbutrin XL (or any other brand-name psychiatric meds with generic equivalents) covered by them? [more inside]
posted by anonymous on Nov 12, 2011 - 4 answers

What am I doing wrong at the doctor's office?

I have a doctor's appointment coming up in the next few weeks. I have healthcare coverage, but I always seem to end up with a decent sized bill anyway, even for appointments that seem to be covered. What are you supposed to say and do to avoid this? This gets rather long inside. [more inside]
posted by furious on Nov 10, 2011 - 21 answers

COBRA for weekend coverage?

Insurance coverage from previous job ended on Friday without COBRA. Insurance from new job starts retroactively on the following Monday. I have pre-existing health issues. How do we know if we need COBRA or not? [more inside]
posted by anonymous on Nov 4, 2011 - 5 answers

My brother needs his knee fixed but can't pay for it.

My brother was scheduled to have knee surgery, but has just lost insurance coverage. How can I help him? [more inside]
posted by Vorteks on Oct 26, 2011 - 16 answers

Should I be screened for BRAC?

What potential drawbacks could there be if I get tested for the BRAC1 or 2 mutation? [more inside]
posted by Kitty Stardust on Oct 24, 2011 - 9 answers

Where is Flo when I need her cheery optimism???

I'm in the open enrollment period (also newly married) and am considering switching health insurance -- for the first time ever. I understand the fill-out-the-forms part, but I can't wrap my head around what that means logistically. What's the process? What should I look out for? [more inside]
posted by Madamina on Oct 20, 2011 - 6 answers

Does anyone gather statistics or investigate health ins. companies for denying necessary tests?

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]
posted by xyzzy on Oct 16, 2011 - 7 answers

dumb people need health insurance too

I screwed up by waiting too long to get health insurance. Now what do I do? [more inside]
posted by prefpara on Sep 29, 2011 - 17 answers

Double the benefit, double the fun

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]
posted by thinkingwoman on Sep 16, 2011 - 18 answers

What recourse, if any, do I have in dealing with this equipment charge from my podiatrist?

About six weeks ago I went to a podiatrist for heel pain and was diagnosed with plantar fasciitis. I was given instructions for treatment along with a night splint that I've been wearing every night. Today, I received a bill from the podiatrist's office for the splint: Blue Cross has paid $80 of the $280 (!) charge, and the podiatrist's office is now putting me on the hook for the $200 balance. What recourse, if any, do I have in dealing with this charge? [more inside]
posted by Kosh on Sep 9, 2011 - 16 answers

small biz health insurance cost?

Small Biz people: what do you pay in health insurance if you have insurance that you buy on your own? [more inside]
posted by Salvatorparadise on Sep 8, 2011 - 10 answers

What determines my primary residence?

What determines which residence is my 'primary residence' when applying for health insurance, etc? [more inside]
posted by mxmm on Aug 31, 2011 - 3 answers

Health saving account

Best direct to consumer HSA? [more inside]
posted by no bueno on Aug 26, 2011 - 4 answers

How long must I wait?

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]
posted by novalis_dt on Aug 25, 2011 - 9 answers

I have awful healthcare - can I get domestic partner benefits with my GIRLFRIEND? I'm a boy.

I'm a guy. Can I get domestic partner benefits in California with my girlfriend? [more inside]
posted by rileyray3000 on Aug 10, 2011 - 12 answers

The question I dare not ask HR.

Do you lose your health insurance the instant you leave your job? [more inside]
posted by Jess the Mess on Aug 9, 2011 - 23 answers

Lipoma removal before or after purchasing private health care?

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]
posted by Auden on Jul 29, 2011 - 10 answers

health insurance premium

Using health insurance in US- possible skin cancer. Does anyone have any evidence/estimate/experience with how much premiums may/will increase if skin cancer is found/treated? [more inside]
posted by mightshould on Jul 19, 2011 - 4 answers

How does health insurance work while on disability?

If someone goes on disability, do they have to go on COBRA or do they keep their company insurance? My uncle was diagnosed with Stage 4 liver cancer yesterday. I am trying to do research about how health insurance works when one is severely ill. [more inside]
posted by afton on Jul 15, 2011 - 14 answers

I went to a doctor that isn't my HMO doctor and no one noticed until the bill was due. What now?

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]
posted by hot little pancake on Jul 11, 2011 - 13 answers

Affordable scripts.

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]
posted by munchingzombie on Jun 27, 2011 - 10 answers

Health Insurance Cost

What to expect to pay for health insurance as a Canadian living in Florida? [more inside]
posted by Paquda on Jun 24, 2011 - 12 answers

Which health insurance is best for me?

Help with choosing my health insurance. I just got a new job and I'm not really familiar with the American health care system. Please help me decide what's best for me. [more inside]
posted by carmel on Jun 22, 2011 - 24 answers

Will my mental health treatment preclude me from future insurance coverage?

I don't currently have health insurance but might be seeking prescription help for depression from a GP, which I will pay out of pocket. Might this preclude me from health insurance coverage at a later date? [more inside]
posted by anonymous on May 23, 2011 - 13 answers

Big Brother Health Care?

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]
posted by jillithd on May 17, 2011 - 28 answers

Visiting Canada and need to buy health insurance

My aunt will be visiting Canada on a tourist visa from India and she would like to purchase health insurance for the duration of her visit. Can you recommend a company I can contact to get more information about this, preferably an insurance company we can buy a policy from? Google is giving me a lot of sketchy SEO results.
posted by exhilaration on May 2, 2011 - 9 answers

Can the ER legally test me for drugs without telling me and without my consent?

Can the ER legally test me for drugs without telling me and without my consent? [more inside]
posted by saizai on Apr 4, 2011 - 58 answers

How to get basic outpatient mental health care when work-provided insurance does not cover it?

How to get basic outpatient mental health care when work-provided insurance does not cover it? [more inside]
posted by anonymous on Mar 29, 2011 - 9 answers

Employee Shouldering Cost of Payroll Mistake?

A friend's employer's payroll company has been incorrectly filing her payroll taxes by subtracting her healthcare costs after taxes, causing her to pay more income tax than necessary. Her boss has said she is out of luck, is there anything she can do? [more inside]
posted by anonymous on Mar 25, 2011 - 14 answers

How do I get Obamacare

Help me find health insurance. Moving back to the States with wife and two kids after being away for 10 years. May not have jobs when we return. What is the best way to find health insurance? I have no idea where to start or what my options are if we return unemployed. Moving to Texas if that is relevant.
posted by jasondigitized on Mar 17, 2011 - 22 answers

Is supplemental health insurance a viable option any more?

HealthInsuranceFilter: My wife will soon be eligible for benefits through a new (part-time) employer, but the coverage stinks as it has a $20k per year max benefit. Is excess/supplemental health insurance a viable option? [more inside]
posted by QuantumMeruit on Mar 11, 2011 - 3 answers

How can I get decent healthcare w/o insurance and somewhat limited funds?

My husband used to love his IT job. Things changed, now he hates it, because his new work is boring and his new boss is a bully. So he might have found another job... but it has no paid vacation and no health benefits. I am a (secular) homeschooling stay-at-home mom with several chronic health problems. Can I somehow manage to deal with my physical symptoms w/o insurance, because I know it would be mentally better for both of us for him to not work for the bully. [more inside]
posted by Shoeburyness on Feb 17, 2011 - 27 answers

Can a pregnant person get health insurance if her employer goes bankrupt?

What do we do for health insurance if my employer goes bankrupt? I'm pregnant. [more inside]
posted by anonymous on Jan 19, 2011 - 13 answers

Lost bag and insurance cards. Not sure what to do.

Lost or stolen messenger bag with health insurance cards inside (and maybe other important things). Now what? [more inside]
posted by anonymous on Jan 10, 2011 - 8 answers

Will new insurance cover UTI treatment?

Will an insurance company cover a UTI and/or bacterial infection possibly acquired before getting insurance? What if these infections are recurrent over the past 12 months, but the treatments have been paid for out of pocket? [more inside]
posted by Tres on Jan 5, 2011 - 4 answers

Barter for health insurance

Bartering work for health insurance? [more inside]
posted by goofyfoot on Dec 10, 2010 - 10 answers

looking for a therapist in DC

DCfilter/Therapyfilter: I'm looking for a therapist in the Washington, DC area that takes United Healthcare. I also need some general advice on starting therapy-- I haven't done it in several years and my previous experience with it wasn't great. I'm being treated with medications for depression. [more inside]
posted by anonymous on Nov 30, 2010 - 3 answers

How can a negative HIV test affect a person's insurance premiums?

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!
posted by cothebadger on Nov 19, 2010 - 16 answers

Insurance companies and collusion? Naaw.

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]
posted by readery on Nov 10, 2010 - 11 answers

does having foreign health insurance mean you are not gapping in the US?

does having foreign health insurance mean you are not gapping in the US? [more inside]
posted by nanhey on Nov 8, 2010 - 4 answers

Is losing my COBRA subsidy a "qualify event" to join another insurance plan?

Is the impending expiration of my COBRA federal subsidy a "qualifying event" that will allow me to join my husband's insurance outside of open enrollment? (even though I'll still be eligible for unsubsidized COBRA) [more inside]
posted by lilgoyl on Oct 27, 2010 - 12 answers

Confusopoly on a kaiser bun.

Should I switch to a HMO? My company offers Kaiser Permanente's HMO, and it's a good bit cheaper than my current plan. People tell me that HMOs are evil, but the plan looks pretty good on paper. I'm in Washington, DC. [more inside]
posted by schmod on Oct 27, 2010 - 21 answers

Vegan doc on Aetna in Philly/Fishtown

My girlfriend is looking for a vegan-friendly doctor on Aetna health insurance in Philadelphia. She lives in Fishtown. [more inside]
posted by zeek321 on Oct 26, 2010 - 2 answers

Help me keep my ride going

Help me to not pluck my eyes out in my effort to find suitable Medigap insurance. [more inside]
posted by angrycat on Oct 12, 2010 - 3 answers

Health Insurance for the Healthy(ish)

Should I apply to the Illinois high-risk insurance pool or try to get an individual policy? [more inside]
posted by anonymous on Oct 8, 2010 - 6 answers

Don't need no medicines

I thought I could get health insurance through my school. I can't. They don't offer it because they assume everyone has it through work or their parents. I can't afford COBRA. How do I shop for the best insurance for myself? What kind of insurance can I expect? How do I know which plans are useless? [more inside]
posted by anonymous on Oct 4, 2010 - 9 answers

new health insurance abroad- pre-existing conditions

I have a friend living in the US with US health insurance. He wants to move back to Panama, where he's from. He's recently had a heart surgery, and tells me that he won't be able to get health insurance in Panama as this would be a pre-existing condition there. It's not a pre-existing condition currently and is covered by his US health insurance. He therefore, doesn't think he can move back home. Its a stressful situation for him and I really wish I could give him some meaningful advice, preferably something that includes him retaining medical coverage either in US or Panama, and being able to move back to Panama. I remember from looking into this myself earlier that it did seem possible to retain US insurance coverage if you live outside the US but maybe only if you are a citizen. Please help!
posted by anonymous on Sep 29, 2010 - 1 answer

Seeking advice on switching from an employee to a contractor.

I would like to discuss with my boss the possibility of moving from full-time employee status to contractor. My primary question is about health insurance, though I have some more general questions as well. [more inside]
posted by Lutoslawski on Sep 27, 2010 - 18 answers

Health Insurance

What is the difference between a High Deductible Comprehensive health insurance plan and a Traditional Comprehensive insurance plan? [more inside]
posted by modoriculous on Aug 19, 2010 - 7 answers

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