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108 posts tagged with insurance and healthinsurance. (View popular tags)
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How do I insure a newborn on short notice?

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]
posted by The Winsome Parker Lewis on May 22, 2014 - 17 answers

Do I need stacked uninsured motorist coverage?

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?
posted by photoslob on May 16, 2014 - 4 answers

I don't want it, I just need it.

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]
posted by koucha on Apr 28, 2014 - 39 answers

Health insurance woes

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]
posted by bleep on Apr 16, 2014 - 9 answers

Out-of-network limit for health insurance

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?
posted by parallellines on Mar 25, 2014 - 12 answers

Where have all the patients gone...

I work at my local County Hospital and for the last two weeks we've had a very low census. I hear rumors that the local Giant HMO and local For Profit Hospital Chain are packed right now. I also know one Local For Profit but Independent and Unaffiliated Hospital is at risk of closing right now because of extremely low census. So for folks who actually work in hospitals (and clinics?) are you seeing a change in number of patients since Obamacare started? [more inside]
posted by latkes on Mar 3, 2014 - 6 answers

ACA insurance in New York. Gold Health Republic PrimarySelect plan?

We need to pick ACA insurance in NYC and after some research are most likely going with the Gold Health Republic PrimarySelect plan (which uses MagnaCare's network.) Is there a very good reason to not go with Health Republic or PrimarySelect, considering what the other NY options are? We're not eligible for PrimarySelect EPO or else we would have gone with that. thanks so much.
posted by Blisterlips on Feb 11, 2014 - 1 answer

I need health insurance and MassHealthConnector is broken

Hello all, I was laid off from my job in July and went to Europe for a few months. Now that I am back in USA, I tried to sign up for affordable care act via www.mahealthconnector.org/ only to find out this site is the reincarnation of the devil. I cannot finish my application for this health insurance because I get stuck on a page that requires me to put in my employer info. Now since I am unemployed I obviously do not have an employer. This site literally will not let me complete the rest of the application without entering a whole bunch of information on my current employer which does not exist! How on earth do people without jobs apply for this?? Does anyone else run into this frustrating issue? Is there any other health insurance I can sign up for?
posted by bostonhill on Dec 19, 2013 - 12 answers

Health Insurance thru Freelancer's Union

Does anyone have any experience with purchasing health insurance through the Freelancer's Union? Any feedback on the process and level of satisfaction with coverage would be appreciated. [more inside]
posted by spicynuts on Sep 3, 2013 - 13 answers

Etiquette of homeowners insurance and accidents

My friend Stan (very) recently moved to the USA, and has already had a run-in with his health insurance that we are not sure how to deal with. Stan's new boss Joe invited Stan's family over for an afternoon, and at some point Stan's five year old fell and cut his arm on a rock in the garden. [more inside]
posted by jacalata on Aug 13, 2013 - 9 answers

Affordable Health Care Exchanges - are we eligible?

I'm looking for good resources for information about the upcoming exchanges, especially concerning eligibility restrictions, specifically in Colorado. [more inside]
posted by girih knot on Jul 11, 2013 - 7 answers

Group Health Insurance Options

I need group health insurance, but I don't know what my options are with the new potential changes in the law. I am in the East Bay, in California. Help? [more inside]
posted by anonymous on Jul 3, 2013 - 6 answers

Why hast thou forsaken me, United Healthcare?

I just received a notification from my insurance company that as of July 1 they're no longer covering the brand-name version of a necessary medication I take daily. If I want to keep taking it I have to pay the full price (many hundreds of dollars per month)—or switch to the generic, which I've taken before and found that for me it is basically crap. It doesn't work as well, and has pretty unpleasant side effects, and I have documentation to that effect from my doctor of many years. Is there anything I can do to create a happy ending here?
posted by firstbest on Jun 7, 2013 - 19 answers

Help me buy my own health insurance.

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?
posted by brenton on Apr 29, 2013 - 31 answers

How to get insurance to cover family/couples counselling

My partner and I are considering going into couples counselling. The insurance plan we share does not cover this type of counselling "except when rendered in connection with services provided for a treatable mental disorder." One of us is in treatment for a mental disorder, so this seems worth investigating. Can you offer us any experience or advice about dealing with therapists and/or insurance companies in this situation? [more inside]
posted by anonymous on Apr 14, 2013 - 1 answer

PCP, EPOs, PHD ABD, SSRIs, halp!

I am an ABD grad student dealing with significant situational depression. My therapist has recommended I seek out a prescription for an SSRI (antidepressant). My insurance situation is a bit complex -- I'm on the university's faculty EPO plan, but don't have a primary care physician relationship established. Trying to sort out the right order of operations for making sure I get coverage, and get timely access to care. [more inside]
posted by anonymous on Apr 9, 2013 - 7 answers

How do I navigate this health insurance situation?

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]
posted by anonymous on Apr 5, 2013 - 10 answers

Help me find the Rolls Royce of health insurance in the SF Bay Area.

I'm talking the absolute BEST, at any price. [more inside]
posted by tealcake on Apr 2, 2013 - 17 answers

How do I get health insurance for my Eastern European mother-in-law?

My wife's mom is a widow of advancing age. She lives alone in Eastern Europe, in a country with universal health care. (More or less... thanks, austerity!) As she is getting older, we're starting to worry about her living over there, both because of quality of care and because the day that she's no longer suited to live by herself seems approaching. We live in the US and would like to bring her over here permanently. Putting aside immigration questions, how do we get health insurance for her? [more inside]
posted by DirtyOldTown on Mar 12, 2013 - 8 answers

How do we avoid screwing over a coworker's health insurance?

My husband got a new job and it looks like his health insurance will be better and cheaper for us than what we have through my employer. Problem is, my office is tiny and if we drop off our insurance, only one person in the office will remain on the group plan and a group of one is not eligible for a group plan. If we drop off the plan, I want to ensure she doesn't get screwed over. Can you help me figure out what questions she and I need to ask the owners and our insurance broker and/or come up with creative solutions to pose to the owners of the company? (I realize that this is really the coworker's issue but we're a very tight-knit office and my coworker wants this help.) [more inside]
posted by adorap0621 on Feb 27, 2013 - 9 answers

How do I get mental health services while uninsured in Tucson, AZ?

I have mental health issues and I need to see a therapist, a psychiatrist, and have my medications prescribed/refilled regularly. I'm moving next month to be with my significant other (not married), but I'll lose my health insurance which is through my current state. Where do I get these mental health services at a reduced cost as an uninsured person in Tucson, AZ? [more inside]
posted by anonymous on Jan 21, 2013 - 8 answers

Should I live without health insurance for the next year or so?

Should I live without health insurance for the next year or so? [more inside]
posted by anonymous on Nov 20, 2012 - 62 answers

What freelancers' groups sell health insurance to members in Portland, Oregon?

I need to buy health insurance in Portland, Oregon and I'm wondering if there are any professional guilds or Freelancer's Union-type groups that sell health insurance. [more inside]
posted by jeb on Oct 23, 2012 - 1 answer

I need more information about advocating for myself in the American Health Care system

So this was me commenting a bit ago about how some views toward health care actually damage the lives of real people. And now I need advice, because the situation has grown so far out of my control and I think I’ll go out of my mind with worry. [more inside]
posted by bilabial on Sep 26, 2012 - 52 answers

insurance reassurance

Where does one go for reliable information about any risks of using your health insurance policy? [more inside]
posted by anonymous on Jun 21, 2012 - 14 answers

I need to know what to say in the Emergency Room.

Which address should I give when I go to the Emergency Room? This is turning out to be a surprisingly stressful and complicated question. [more inside]
posted by Ash3000 on Jun 2, 2012 - 12 answers

Open enrollment deadlines and dilemmas

It's open enrollment time, and given the changes in all the policies, it's now a lot harder for a clear cut decision. [more inside]
posted by k5.user on May 18, 2012 - 3 answers

Should I ditch COBRA and switch to an individual plan?

Health insurance question: I got laid off from a small company a few months ago, and have been paying over $400 monthly for COBRA. This eats up a ton of my unemployment money. I'm wondering if I should switch to an individual plan. [more inside]
posted by emily37 on May 16, 2012 - 19 answers

Affordable student health insurance in New York?

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]
posted by ocherdraco on Apr 25, 2012 - 9 answers

co-co-co-COBRA!

Please help me understand COBRA and my family's options after it runs out. [more inside]
posted by meggan on Feb 13, 2012 - 6 answers

Health insurance for vagabonds?

Health insurance for vagabonds? (How can I purchase health insurance when I'm in between fixed addresses/states?) [more inside]
posted by anonymous on Jan 20, 2012 - 5 answers

Is it safe to use my current medical benefits while applying for individual health insurance?

I'm in the middle of applying for individual health coverage in California and haven't been approved or rejected yet. Is it safe to use my current medical benefits, and get diagnosed, while applying for individual health insurance, or will they reject me? [more inside]
posted by elif on Jan 10, 2012 - 2 answers

The hospital where I was born is trying to screw me.

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]
posted by infinitewindow on Jan 9, 2012 - 13 answers

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

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

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

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

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

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

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

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

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

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

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

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

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