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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

COBRA SNAFU

What to do regarding COBRA coverage being canceled due to negligence of former employer? [more inside]
posted by moosedogtoo on Aug 17, 2010 - 9 answers

Referral Madness

Chicken-and-egg medical referral problem here. I'm hoping someone who understands the mysterious world of health insurance and referrals can help out. [more inside]
posted by tetralix on Aug 17, 2010 - 11 answers

His name is not Dr. Spaceman

Over the past eight years I have exhibited what might be the early signs of MS. It's my understanding that early on, the only way to know is to get an MRI. However, my GP is dismissive and doesn't seem familiar with this. I am in the United States. YANMD but I don't know if my doctor knows what he's talking about. How to proceed? [more inside]
posted by anonymous on Jul 12, 2010 - 27 answers

Get on the chopper, or else!

My friend was strongarmed into an unnecessary medevac flight, and is now stuck with a $17,000 bill. Is this common, and does he have any recourse? [more inside]
posted by workerant on Jun 18, 2010 - 25 answers

Can I get affordable insurance with a pre-existing condition after living abroad?

Should I keep my US-based health insurance while I am working abroad for a year in Japan? I have a pre-existing condition. [more inside]
posted by anonymous on Jun 14, 2010 - 10 answers

New info demand from my health insurer

My long-standing health insurer is making new information demands. Do I need to reply? [more inside]
posted by NortonDC on Jun 10, 2010 - 13 answers

healthcare third party vendor

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]
posted by anonymous on Jun 9, 2010 - 2 answers

Can you enroll in Medicare part B only?

Can you enroll in Medicare Part B (medical) only? [more inside]
posted by Danila on Jun 9, 2010 - 8 answers

Help me figure out how speak insuranceeze.

[Health Insurance Filter] How do I know what the heck some of this stuff means in the real world? Am I saving any money here by switching health insurance providers? [more inside]
posted by anonymous on Jun 4, 2010 - 3 answers

Help us consume more health care!

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]
posted by QuantumMeruit on May 13, 2010 - 15 answers

Tips for Miami & key West

What to wear to an academic conference in Miami? (plus other advice for Miami & Key West) [more inside]
posted by Wilder on May 12, 2010 - 11 answers

Life Advisor: A lawyer for my grownup answers (similar to a Dad for my childhood answers)

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]
posted by WhereAmI on May 7, 2010 - 7 answers

Questions about a Canadian taking a Post-Doc in Orlando

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]
posted by gavia on May 6, 2010 - 9 answers

Finding health insurance in 7,538,462 easy steps.

Need help finding a health insurance broker in NYC. [more inside]
posted by Mender on Apr 26, 2010 - 2 answers

When will children be able to stay on parents' health insurance and will dental be included?

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]
posted by ishotjr on Apr 20, 2010 - 18 answers

Misdiagnoses leads to denial of claim for kidney dialysis

What can be done when a health insurance claim is denied due to a mis-diagnosed condition being considered a preexisting condition? [more inside]
posted by anonymous on Apr 20, 2010 - 16 answers

Blarrrgghhhhhhhhh.......

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]
posted by sio42 on Apr 3, 2010 - 16 answers

When to get a new plan under Obamacare?

Should I switch health insurance providers now, or wait, given Obamacare? [more inside]
posted by philosophistry on Mar 30, 2010 - 7 answers

You must either give netzapper $100, or give mathowie $200.

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]
posted by Netzapper on Mar 28, 2010 - 50 answers

South Florida HMO filter...

Which South Florida HMO should I pick? VISTA, AVMED, United Healthcare - any reviews ones to watch out for etc... [more inside]
posted by dorcas on Mar 27, 2010 - 2 answers

Help me find health coverage and other resources for a poor person escaping to Oklahoma

What kind of poor-people health support is available in the Tulsa, Oklahoma, area? And what other resources exist for a person who may move to Oklahoma to escape a bad relationship in another state? [more inside]
posted by croutonsupafreak on Mar 12, 2010 - 11 answers

I hate entering the health insurance world

I don't foresee a healthcare bill passing anytime soon. I just became ineligible under my mom's Medicaid since I turned 19, and I realised—I'm pretty sickly. I need doctors and dentists and the rest of it. What should I do? [more inside]
posted by lhude sing cuccu on Mar 9, 2010 - 25 answers

How do I refute a preexisting condition for an eating disorder?

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]
posted by anonymous on Feb 15, 2010 - 9 answers

What does it mean to be UK resident for insurance purposes?

What does it mean to be a UK resident for insurance purposes? I'd like to buy multi-trip travel insurance. However, I'm currently working on a contract in another country (France) until the end of May. [more inside]
posted by handee on Feb 9, 2010 - 6 answers

Is there such a thing as a public lobby group?

Is there such a thing as a public lobby group? [more inside]
posted by evil holiday magic on Feb 5, 2010 - 18 answers

Medical testing without consent

Isn't consent required for medical testing? I'm having a hard time seeing how this can be legal. Obviously, they can't ask the baby for consent, but surely the parents should be asked? [more inside]
posted by bitter-girl.com on Feb 4, 2010 - 22 answers

Health insurance paperwork: what to keep and what to toss?

Which US health insurance paperwork should I file and keep, and which should I toss? [more inside]
posted by infinitewindow on Feb 3, 2010 - 3 answers

If generalizations are possible, would health insurance UCR billing rates (Usual Customary and Reasonable) be higher if based on 80% of the HIAA recommended rate, or 110% of the medicare negotiated rate?

If generalizations are possible, would health insurance UCR billing rates (Usual Customary and Reasonable) be higher if based on 80% of the HIAA recommended rate, or 110% of the medicare negotiated rate? [more inside]
posted by worstkidever on Jan 28, 2010 - 3 answers

Option NOT to cure a lapse in health insurance coverage?

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]
posted by bunnycup on Jan 19, 2010 - 17 answers

Should future health care reform change my health insurance decisions today?

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]
posted by anonymous on Jan 17, 2010 - 3 answers

Lumps discovered in both breasts (asking for a friend). Difficulty factor: expat volunteer living in China with limited health insurance.

Lumps discovered in both breasts (asking for a friend). Difficulty factor: expat volunteer living in China with limited health insurance. Yeah, YANAD, or at least not her D. [more inside]
posted by anonymous on Jan 15, 2010 - 5 answers

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