A relative of mine is visiting the US without travel insurance, and their child has been hospitalised in New York and is receiving treatment. This relative does not have the means to pay for the hospital stay or treatment, so what will the consequences be? [more inside]
Hello all, I can't find this answer anywhere (without directly asking my insurance company). My wife has multiple sclerosis, and without insurance her medication costs $6k per month. On our current plan I play $30 for a 3 month supply via the specialty pharmacy home delivery. We are losing this coverage at the end of August, but have a delivery in progress and will receive the next 6 months worth before we lose coverage. Is there some way they can charge me for the medication already received if I lose coverage for the following months? [more inside]
I have some medical bills that my late husband apparently accrued in the last months of his life. I've been trying to figure out for what and how to get them covered by his insurance for months now and it appears that it's gone to collections. What should I do? [more inside]
In the UK an employee's salary is subject to deductions – national insurance, income tax at varying brackets etc. How does this compare to New Zealand? [more inside]
For a month now I have been involved in a Kafkaesque nightmare with a local hospital billing department. I am convinced that they have a thief in their employ but I cannot figure out how to convince them of this or to positively make my case. [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]
The insurance provided by my former employer ends on July 31 for my partner and me. COBRA is cost prohibitive ($1900 a month for both of us). So, now we are turning to the New York Healthcare Exchange. We need a navigator, but I'm not sure how to find a good one to help us with our snowflakes. Seeking recs and advise. [more inside]
I am not irresponsible! I am a US Citizen who lives in a European country, where I am on state health insurance. We are back in the US for three months, and have temporary, emergency health insurance here. (We are not eligible, as non US residents, for ACA insurance.) I find myself unexpectedly but happily pregnant, with a few more months in the US to go before we return. How do I get prenatal care? [more inside]
Will the availability of COBRA keep a person from qualifying for a Marketplace plan and/or subsidies? [more inside]
I have independent insurance. I understand that under the ACA, I can't be denied coverage in the future, but will my premium be higher, the more I use insurance? [more inside]
Unbeknownst to me, my in-network-doctor sent my labs out-of-network. I just got the bill :( Now what? [more inside]
Chronically ill, fixed income US expat. Is it possible to get affordable health insurance in the US? This is pretty much a hypothetical question, but I figure I’d do some research anyway. Snowflakes after the fold: [more inside]
If someone is a 65+ recent green card holder with only 3 years work experience in the US and who hasn't lived continuously in the US for 5 years (but has visited every year for several months for a decade), they don't qualify for free or even paid Medicare. What is the best health insurance plan for them if they spend 5-7 months in the US, and the rest in their home country in Asia? Are they best off with an Obamacare plan, or some kind of special immigrant health insurance, or what? Thanks.
I am going to have a health insurance gap between October 31 and December 23rd. That is a time period less than 60 days, and I hear there is a COBRA loophole, and I would like advice about it. [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]
Looking for any experiences, counsel, legal referrals to deal with health insurance clawback/SNAFU that's has my blood boiling. [more inside]
Husband needs open heart surgery. Our preferred surgeon is not on our healthcare plan. We're going to request a benefit exception. We are in Washington state. We are on an individual plan, not with an employer. I called the insurer and requested a case worker. Any suggestions on my approach? Feeling overwhelmed already. [more inside]
I need health insurance ONLY for the month of May. But the new health exchange market place in New York state only allows me to sign up now for June 1 and beyond. [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 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?
I got a small bill for lab work done as part of a routine annual exam. The entire amount should have been covered in full. At what point do I give up and just pay the bill? [more inside]
I used a midwife throughout my pregnancy but ended up with an emergency c-section. My insurance company has denied part of the claim leaving me about $3,400 poorer. I'd like to recoup as much of this as possible from my health insurance but I'm not sure the best way to go about it... [more inside]
I am totally paralyzed with indecision about the health insurance options I have at work this coming year. Halp! High deductible plan with an HSA vs tried-and-true HMO. [more inside]
The co-pay is still high, because the device's mark-up seems ridiculous. [more inside]
My brother has been diagnosed with an acute form of leukemia, and is currently in the ICU. What we know is that he's not going to die tonight. He's got some life left in him. They're not sure about the precise form yet, that will take some time. But in the meantime, we have a problem: he's 31, recently unemployed, and uninsured. My family is far from being able to afford out of pocket health costs. And from all the doctors, drugs, machines he's been hooked up to in the past 10 hours, I know the bill is already creeping into the many tens of thousands of dollars. So my question to MeFites is: what are our options? How do we pay for this? We have very few assets, although I'm sure we'd sell the family home to keep my brother alive for a few more years. But apart from that, we've got nothing substantial. (I'm a graduate student, and my mother is a self-employed seamstress. My father is unemployed). Are there any gov't programs available? Can he go on Medicaid? Etc. I'm having trouble finding hard info on people in his particular situation (not a minor, not elderly, and diagnosed with cancer). Help!
Short term health insurance options in Massachusetts? [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]
How are things looking over the next few years as far as health insurance costs in the US? [more inside]
I'm in the United States and will be working for myself for the first time. This is exciting, but I have a pre-existing health condition, ADHD, and I take medication daily. Will this still be covered if I go on my own health plan or will this be out of pocket? I'm male, non-smoker, mid-20s with no other pre-existing conditions. The whole new health care initiative is confusing, I was under the impression that this sort of thing is now covered.
I'm trying to figure out the best choice for individual health insurance for myself, and I'd like to have it pay for my currently-out-of-pocket therapy, but I have questions about how this works. Does therapy count as an "office visit"? Do I actually want insurance to cover therapy? (I'm in the US.) [more inside]
US-InsuranceFilter: How do I know if an insurance plan is grandfathered under the new ACA "coverage of young adults" policies? The insurance company is acting like it is, but won't answer direct questions about being grandfathered. [more inside]
What are the practical advantages of a state setting up its own health insurance exchange, versus letting the federal government create/manage the exchange for the state? [more inside]
Does anyone have any experience with using the California health care program to treat potential breast cancer? That's my worst case scenario, and yes, I'm scared to death. I'm also without insurance at the moment. [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]
AskMe: we need help. My girlfriend just found out that her health insurance was terminated for non-payment (she thought she had paid it, and when I get home this evening we'll double-check our accounts to see what happened.) Whether the error was hers or the insurance company's, the company has stated that it'll take them 10-14 days to know whether or not they can reinstate the plan regardless. She has a pre-existing condition (ADHD), so consistent coverage is very important - and Ms. MP is starting to freak out. What's our next move, and how do we get through this? [more inside]
Individual Dental Insurance. Is there such a thing, and is it affordable, and is it offered by someone other than Delta Dental? [more inside]
I'm an American living in France on a long-stay visitor's visa (I'm here as an artist in residence working on comics in Angoulême). To get my visa, I had to prove I had health insurance. At the time of my visa application, I had American health insurance which covered only emergencies abroad, so I assumed that if anything came up, I would pay out of pocket here in France and then, well, go home if anything really grave came about. I also bought travelers insurance from World Nomads to cover repatriation (necessary for the visa). Now, because of reasons that I wont go into here, I have lost my American health insurance and am left with only the travelers insurance, which is really not sufficient. I'd like to stay in France and am planning to renew my visa for another year, so I want to make sure everything is in order. I'd also like to be covered! Is it possible to buy French health insurance as a foreigner who is technically a "non-resident"? I've googled a bit and found some links to various companies who seem to do just this, but I would like to hear from others who have done the same or who know something about it.
Is there an economic theory about monetary incentives doing more harm than good as economic utility becomes harder to determine/quantify? [more inside]
What's the deal with Generic Concerta? [more inside]
Before surgery, my insurance company said I wouldn't have to pay. After surgery, that's changed. What now?
Before having surgery, I was told by my insurance company that my deductible had been reached, and that there was nothing for me to pay. After surgery, they amended that, telling me that in fact my deductible had not been filled at all for the present period, and I *would* have to pay. Am I just screwed here? [more inside]
My brother was scheduled to have knee surgery, but has just lost insurance coverage. How can I help him? [more inside]
Hormonal birth control question: Lo Loestrin Fe has no generic, and even with my crappy insurance is unaffordable for me. What are other ultra-low-dose birth control pills that DO have generics? [more inside]
Give me your best detailed, graphical overview of the U.S. healthcare system(s) - ideally with a view of number of covered lives. [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]
Have changes been made in the last year or so that make getting health insurance any easier? [more inside]
Help me get health insurance at reasonable rates. Special snowflake details inside! [more inside]
I need surgery and don't have insurance. What are my options? [more inside]
Is there such a thing as a health insurance purchasing adviser? [more inside]
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