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Trying to fix a medical billing error: At what point do I give up?

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]
posted by tckma on Mar 20, 2014 - 13 answers

Where can I find the best price on Advair diskus without insurance?

tl;dr: Advair is no longer covered by our insurance so we'll be paying out of pocket. If you're in the same boat, where have you found it for the best price in the US? Please don't recommend online pharmacies based simply on Google, I'm looking for personal experience. I read this question, but it is 5 years old and a lot has changed in the US medical landscape in that time. [more inside]
posted by superna on Mar 14, 2014 - 8 answers

Can I negotiate this Kaiser bill?

When Obamacare happened my private pay insurance coverage changed, but I didn't really pay attention to how. After a trip to the ER last night and to the pharmacy this morning, I now know that I have a very high deductible plan. $250 ER copay (full bill to follow), $530 for two prescriptions. Meanwhile, I'm wondering if I have any room to negotiate the bill for the ER visit, especially if I am about to go to a more costly (for me) plan. Have you ever negotiated a Kaiser bill, or another HMO bill? Specific advice on how to pitch this or if it's even possible sought. [more inside]
posted by latkes on Mar 12, 2014 - 14 answers

Health insurance question

What is the difference between "Allowed Amount" and "Co-pay" on an Explanation of Benefits? [more inside]
posted by fozzie_bear on Mar 10, 2014 - 5 answers

Car insurance estimate without having to enter SSN.. see inside

Greetings. 16 year old daughter is completing an assignment for Economics and she needs an insurance quote for a 22 year old female who lives in a smallish city (Baltimore) for a 1999 Jeep Grand Cherokee Laredo. She was gonna enter her SSN in an insurance site and say she is 22. I told her (for obvious reasons) no... but we can't find a site which will give us a quote without one. Suggestions?
posted by brownrd on Mar 4, 2014 - 6 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

Should I file a grievance with my health insurance for midwife's bill?

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]
posted by hibbersk on Feb 28, 2014 - 12 answers

Do I need to mind the gap?

Now that I'm on a group health insurance plan, do I have to pay the last month's premium for my individual plan or can I leave a gap in coverage? [more inside]
posted by raisindebt on Feb 24, 2014 - 4 answers

How can 4 freelancers/entrepreuners buy affordable liability insurance?

Three friends and I teamed up to rent a small commercial office space to use as a shared office, as we've tired of working at home or in coffee shops. We've signed the lease and moved in. I've been tasked with finding liability insurance, but having trouble as the insurance companies don't know what to make of us. I'm hoping Mefites may have creative solutions. [more inside]
posted by lukez on Feb 21, 2014 - 5 answers

Is there any reputable car rental to be found in Cancun?

I'm flying into Cancun in the next few days, and since I'll be travelling south from there, I'm interested in a rental car. Please help me not get ripped off. [more inside]
posted by speedgraphic on Feb 20, 2014 - 3 answers

Should I renew my life insurance policy?

My parents bought whole life insurance when I was born and it needs renewed. I was going to let it lapse, they want me to renew - do I really need life insurance? [more inside]
posted by lpcxa0 on Feb 20, 2014 - 18 answers

Getting our shit at LEAST in a diaper or something

OH HAY it's another prenatal question. Pursuant to getyourshittogether.org, I am trying to put those pesky ducks in a row before August. What kinds of documents, topics, etc. should we include in an estate plan et. al.? And what should we add (e.g. life insurance) to solidify things a bit more in case of Bad Things Happening? [more inside]
posted by Madamina on Feb 18, 2014 - 14 answers

Help me navigate the basics of the mental health system

My only real experience with mental health practitioners was a brief stint with my free university counseling where I tried one or two medications for anxiety and depression. They didn't do anything for me and I became disheartened and left the idea behind for the past few years. Having gotten health insurance for the first time a few months ago and after some recent introspection, I've found myself interested in possibly trying some anti-anxiety/depression medication again, as well as some sort of ongoing psychotherapy. [more inside]
posted by gregoryg on Feb 18, 2014 - 5 answers

How long does one have to make a claim Auto Insurance /US - NJ?

Scenario: Car was hit from the back by an insured driver who took responsibility for the incident. This is noted in the police report. This incident happened 2.5 months ago. No claim was made on the insured driver. The repair is minor (re-paint). Question: Can a claim still be made since the incident happened approx 2.5months ago or is it too late? I wonder if it becomes harder to prove that the damage is because of the incident and not something that happened later (during the 2.5months). Thoughts?
posted by r2d2 on Feb 18, 2014 - 6 answers

Health insurance hand wringing

Could a specialist on the other side of the country still be considered in-network? [more inside]
posted by mermily on Feb 16, 2014 - 17 answers

Which Government Agency Provided Money for Bank Bailouts?

It's an alphabet soup that doesn't allow for even a relatively straight line between money and banks. The Treasury ultimately provided the money, the Office of Thrift Supervision was supposed to oversee the money, the Federal Deposit Insurance Commission closed banks that didn't qualify for the bailout. But who wrote the check and was ultimately responsible for those banks until they paid the bailout money back?
posted by CollectiveMind on Feb 11, 2014 - 8 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

Low income prenatal/maternity care in Las Vegas.

What resources/services are available to a woman living in Las Vegas, who is about 8 months pregnant, uninsured, unemployed, and broke? [more inside]
posted by anonymous on Feb 10, 2014 - 13 answers

Is this a liability case or just one for my insurance?

Yesterday, my partner slipped and fell while dropping our kid off at preschool. Every possible option about how to handle this makes me uneasy. You're not my lawyer, but that's okay, because my question is not if I can call I lawyer (or let my insurance company do the same), but whether I want to do that... [more inside]
posted by DirtyOldTown on Feb 6, 2014 - 36 answers

Can I avoid having a salvage title (California)?

My Vanagon was hit, and the other person's insurance company wrote it off as a total loss. We settled, and I retained possession of the vehicle. It's fixed and good to go--except maybe the whole salvage title thing. [more inside]
posted by jsturgill on Feb 3, 2014 - 8 answers

Risks of long-term borrowing a car from a friend?

I have a sudden need for a car for the next several months. An awesome friend has offered to lend me his. What could go wrong? [more inside]
posted by catesbie on Feb 1, 2014 - 22 answers

is long-term care insurance reliable?

I have been paying $100/mo. for several years now for long-term care insurance with a carrier that is as good a bet as any in the market. But that is a big hit in my budget, and will be even bigger when I retire in a couple of years. It's kind of early in the overall history of this kind of insurance to be drawing conclusions from gathered data, but worst case, it could be just another corporate sleight-of-hand deal for sucking money out of the paycheck-to-paycheck crowd. I can not rely on family as an alternative strategy; I am in fairly good health so far. Should I consider this an essential expense?
posted by mmiddle on Jan 27, 2014 - 18 answers

Can I have MedicAid as my second insurance?

Hi all! Thank you for your time. I enrolled in a private insurance plan through a different state because my state (Oregon) messed up my medicaid enrollment and are still struggling to enroll me. I have two questions: 1. Can I have medicaid as a second insurance or primary insurance and also be on a private one? (I qualify for medicaid) 2. Is there anything I can do to speed up Cover Oregon's enrollment of me? My doctor suggested emailing the news, and I did that, but with no luck. Thanks!
posted by Kombucha3452 on Jan 25, 2014 - 5 answers

I am very unsatisfied with a doctor I recently visited. How do I say so?

I recently went to a functional medicine doctor. The administrative staff has been negligent. She misdiagnosed me and recommended unnecessary testing. Not to mention the cost! I don't think I should go back, but should I write a letter? Details behind the cut. [more inside]
posted by munyeca on Jan 24, 2014 - 13 answers

handwritten medical records hard to read?

After experiencing an extremely nasty psychiatrist I just need to get my medical records per the request to my insurance to get partial reimbursement for the claim. [more inside]
posted by pack2themoon on Jan 9, 2014 - 19 answers

Which Washington Apple Health (ACA/Medicaid) plan?

I live in King County, WA, and am trying to choose between the following Washington Apple Health (Medicaid) plans, but can't get any specifics on coverage, copays, etc from internet. Help me choose between Coordinated Care Corp (CCC), United Health Care Community (UHC), Community Health Plant of WA (CHPW), Molina Healthcare (MHC), Amerigroup Washington (AMG)? [more inside]
posted by cult_url_bias on Jan 7, 2014 - 1 answer

What goes up must come down (through my roof, apparently)

Apparently on New Year's Eve some unknown moron shot his gun into the air. The bullet came down through our roof, punching a hole through the roofing itself (picture 1, picture 2) and then throught he ceiling of our guest room and into the exterior wall (picture 3). The bullet itself is lodged somewhere inside the wall, buried in the insulation, and I am not inclined to tear open the wall just to find it. The police have been out to take a bunch of pictures and create a report, but obviously there is no way to track down the person responsible. Nobody was injured, thank goodness. The roofing inspector was just out, and it is going to cost about $500 to repair the roof damage. That work will be done tomorrow, so that any additional damage is mitigated before it rains. The repair inside is minor, just patch the two holes and touch up the paint. [more inside]
posted by Lokheed on Jan 7, 2014 - 15 answers

It's experimental? Since when?

Questions around experimental procedures, health insurance, incommunicative doctors, and trying to advocate for someone who resists advocacy. I've broken down my big questions with some supporting info below. [more inside]
posted by anonymous on Jan 6, 2014 - 12 answers

Travel insurance recommendation for European visiting USA?

Other questions address other nationalities/situations, or are quite dated. Looking for recommendation of good travel insurance for an EU resident visiting the US on a tourist visa. No medical problems, just looking to cover incidentals/emergencies. Thanks!
posted by stillmoving on Jan 4, 2014 - 6 answers

Involved in accident, at-fault party's insurance couldn't pay for all

Involved in a four-car accident, at-fault party's insurance couldn't cover all the property damages. Now what? [more inside]
posted by Carius on Jan 3, 2014 - 10 answers

Insurance help with Medicare/SSDI

When my parent died, they had a pension/insurance policy from their government job which was meant to pay out half to me and half to my grandmother. The problem is I am afraid my grandmother (who is old and sick and getting regular medical treatment) shouldn't accept the payout because she's on Medicare/SSDI and can't have an income. I remember getting a 1099 for my half, so it is definitely considered income. I have no idea what to do or where to go for help about this. I am in New York City, although this concerns the state pension system. [more inside]
posted by anonymous on Jan 2, 2014 - 7 answers

How far in advance to buy trip/travel insurance?

We're booking flights from the US to Scandinavia soon, with the trip planned for late May 2014. I'm getting confusing guidance about when it's best to buy trip/travel insurance from a third party vendor (i.e. not our airline). [more inside]
posted by midatlanticwanderer on Dec 28, 2013 - 4 answers

Juvenile Glaucoma, Panic Panic

My second grader might have juvenile glaucoma. Our insurance is changing at the beginning of the year. How fast do we need to proceed? [more inside]
posted by Andrhia on Dec 26, 2013 - 11 answers

Help me help my disorganized family member

I have a close family member who I am somewhat estranged from. But he has some needs that I have the skills to help with, and I want to help. Help me help him. [more inside]
posted by latkes on Dec 24, 2013 - 10 answers

Does a basic homeowner's insurance policy cover water line replacement?

Tree roots have grown into the main water line that runs from the meter to my house and the whole thing has to be dug up and replaced. (Merry Christmas to me!) It occurred to me while talking with plumbers yesterday that my homeowner's insurance might cover something like this. However, I read the policy packet and am not seeing any details about what my insurance does and doesn't cover. [more inside]
posted by something something on Dec 20, 2013 - 15 answers

$3100 bill for "completely covered" procedure.

My doctor sent me for a colonoscopy due to family history. The clinic gave me some paperwork saying it would be completely covered unless they found something, and then it would be $250. They didn't find anything. I lost the paperwork. Now they're sending me bills for $3100. [more inside]
posted by johnofjack on Dec 19, 2013 - 26 answers

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

Advice on water damage, flood, cleanup and insurance.

Our finished basement flooded thanks to a backed up sink and the iron filter discharge running. As far as we've been able to discern, our insurance does cover this. We've had a cleanup crew sent out by the insurance company. However, I've got some concerns on how it's being handled, specifically that not enough and not enough of the right work is being done. [more inside]
posted by LANA! on Dec 17, 2013 - 7 answers

What is the best way to get a >500k term life insurance policy on myself

’d like to buy a 1 million dollar life insurance policy for myself to protect my family and dependents should I die unexpectedly. I already know to get a term plan and avoid the other trappings that insurances may offer. Now the question is how do I do this? More inside [more inside]
posted by RapcityinBlue on Dec 16, 2013 - 11 answers

What do I need to know about filing a car insurance claim?

In November I purchased a 1985 Volkswagen Vanagon. Two days ago it was hit in the middle of the night. They drove off at the time, but came back the next morning and gave their insurance information. [more inside]
posted by jsturgill on Dec 12, 2013 - 7 answers

releasing counseling record to insurance? any bad impact?

In order to get reimburstment, I was requested by my insurance to provide medical record from my doctor. I'm wondering is there any bad impact in the future to release these confidentical (psychiatric)counselling histrory to insurance company? They do not always request this. This is the first time. I do not know why they are requesting it this time. I guess maybe because I submitted the claim for several visits all together which is a large bill that they are not willing to pay? Any my doctor is kind of tight on this saying that he had never done this before and unless I sign a release and come to pick up myself he would not do it. His emphasis on "comfidencial" made me think about is there any bad impact if I release this to insurance company? Will it be in my public record? will I be quoted higher premium in the future? Will these be recorded as pre-existing conditions? Does it worth it to give up reimburstment to keep record from insurance? Thanks.
posted by pack2themoon on Dec 12, 2013 - 8 answers

Health insurance conundrum

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]
posted by banjo_and_the_pork on Dec 10, 2013 - 32 answers

The best way to handle a car accident insurance claim against my policy?

Hopefully, this won't be an expensive lesson in car insurance practices, but I lent my car to a teenager... and she got into an accident. [more inside]
posted by lostguy on Dec 2, 2013 - 8 answers

What do we need to know before we build our house?

We are preparing to build a house. We've been doing this for many months, have talked to architects, contractors, and our city's planning and building department, and we still have lots of questions. Lend us some expertise on foundations, design, and construction? [more inside]
posted by sibilatorix on Dec 1, 2013 - 14 answers

Life insurance for a healthy 27 yo: medical exam or no?

I currently pay $19.90 a month for term life insurance (and had some medical tests done for it, beforehand). But I can get life insurance for cheaper from other equally reputable companies ... but without a medical exam. I want to switch over, but I am worried that it might be the wrong decision. [more inside]
posted by Xere on Dec 1, 2013 - 5 answers

End of life planning

My brother and I are sitting down with my parents tomorrow to discuss specifics of what they've put in place for end of life planning. What should we ask? [more inside]
posted by chiababe on Nov 29, 2013 - 23 answers

Condo insurance conflict of interest?

I'm in the process of buying my first condominium. Is using the same insurance agent that holds the condo association's insurance for my own homeowners/content policy a good idea? If not, any suggestions for insurance agents in the Bergen County area of NJ?
posted by quokka quokka quokka on Nov 26, 2013 - 3 answers

How do I get reimbursed for out of network health expenses

I have had quite a lot of medical expenses this year - much of it not covered by insurance. I will speak to my accountant about tax write offs. Is there anyway to get reimbursed for any of the following out of network: blood tests (expensive tests) phone consultations dr visits vitamins travel time Thank you in advance
posted by kbbbo on Nov 22, 2013 - 10 answers

Home-owners Insurance Co Wants to Survey House...After 12 years

I've had a home-owners policy with the same insurance company since purchasing my house in 2002. Last week, I had a message on my answering machine from a man identifying himself as an auditor with a 2nd party surveying firm. He said he was calling at the request of my insurance company to set up a date/time for a survey of my house. [more inside]
posted by klarck on Nov 18, 2013 - 24 answers

Help me find a new psychiatrist in NYC pdq?

I've looked at all the askme NYC psychiatrist questions but haven't found what I'm looking for, which is a recommendation for a doctor who will pretty much do two things: take insurance and manage meds. I am not interested in talk therapy; I have a non-MD therapist that I love. My prescriptions are just straightforward antidepressant/anxiety stuff. [more inside]
posted by torticat on Nov 18, 2013 - 11 answers

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