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25 results for"Health Insurance"
Health insurance network confusion - in-network vs out-of-network costs
I had a procedure at an in-network hospital, but afterward got a bill for the anesthesiologist who was out-of-network. I thought I was covered! How can an in-ne…
What is a deductible, copay, coinsurance, and out-of-pocket max? Health insurance basics
I just graduated college and have to pick my own health insurance for the first time. I'm completely lost on the terminology. Can someone explain deductible, co…
Health insurance deductible vs out-of-pocket maximum - what's the difference?
Open enrollment is confusing me. Plan A: $500 deductible, $4,000 out-of-pocket max, $350/month premium. Plan B: $3,000 deductible, $6,000 out-of-pocket max, $18…
Medicare at 65 - do I HAVE to sign up even if I'm still working?
Turning 65 in 3 months, still working full-time with employer health insurance (company has 50+ employees). Do I need Medicare Part B now or can I delay without…
Can I keep my employer health insurance after turning 65 and getting Medicare?
My employer has 200 employees. I'm turning 65 in 8 months but plan to work until 68. Can I delay Medicare and stay on employer coverage? Is employer coverage pr…
Health insurance in early retirement - how do I cover gap until Medicare?
Retiring at 60, need health insurance for 5 years until Medicare. COBRA too expensive. ACA subsidy eligibility? What do most early retirees do?
Health insurance pre-existing condition coverage after ACA - is it truly protected?
I have Type 1 diabetes and change jobs occasionally. Before ACA I was uninsurable in the individual market. What's actually protecting me now? Can insurance com…
Short-term health insurance - is it real coverage or a scam?
Between jobs for 6 months. Short-term insurance is $150/month vs COBRA $850/month. Seems too good to be true. Does it actually cover major medical expenses?
How does health insurance deductible actually work?
My deductible is $3,000. Does that mean I pay 100% of everything until I hit $3k, then insurance pays 100%? Or is there coinsurance after deductible? So confuse…
Marketplace health insurance subsidy calculation - how does the ACA premium tax credit work?
I'm self-employed with variable income. Some years I make $45k, some years $75k. I've been told I qualify for ACA subsidies but I'm confused how the premium tax…
Maternity coverage - how much does pregnancy cost with insurance?
Planning to get pregnant. Health insurance says maternity covered. What are typical out-of-pocket costs? Deductible? Copays? Trying to budget for baby.
Pre-existing condition exclusion - can insurance deny my claim?
Just got health insurance 2 months ago. Now need surgery for hernia I've had for years. Can they deny this as pre-existing? I thought ACA protected against pre-…
Dependent coverage until 26 - can adult child stay on my insurance?
Daughter is 24, graduated college, working part-time with no benefits. Can she stay on my health insurance? Does she have to live with me?
Can I get health insurance after open enrollment with life event?
Just lost job 2 weeks ago. Missed open enrollment. Getting married in 3 months. Can I get insurance now or wait until marriage for special enrollment?
Working at 65 - do I need Medicare Part A even though it's free?
Turning 65, still working with great employer health insurance. Part A is free so should I just take it? Or will it cause coordination of benefits issues with m…
Can I add my domestic partner to my health insurance?
Live with partner (not married) for 5 years. My employer offers health insurance. Can I add partner as dependent? What proof do we need? Do they count as 'spous…
Health insurance for early retirees before Medicare kicks in at 65
I'm planning to retire at 60, but I won't be eligible for Medicare until 65. That's a 5-year gap. What are my best options for health insurance during those yea…
How does a health insurance deductible actually work with copays and coinsurance?
I'm embarrassed to admit I don't fully understand how my health insurance works. I have a $3,000 deductible, $30 copays for primary care, and 20% coinsurance af…
Health sharing ministries — legitimate alternative to health insurance or too risky?
My neighbor is using a health sharing ministry (like Medi-Share or Christian Healthcare Ministries) instead of traditional health insurance and says it's much c…
Health insurance deductible - $1000 vs $5000, which saves money?
Choosing between HDHP with $5000 deductible ($200/month) or PPO with $1000 deductible ($450/month). I'm healthy, rarely go to doctor. HSA contribution benefit w…
COBRA vs ACA marketplace — which is better when leaving a job?
I'm leaving my job next month and need health insurance for my family of 4. COBRA would cost $1,850/month to keep my current plan. An ACA marketplace silver pla…
Health insurance denied my MRI — how to appeal and win
My doctor ordered an MRI for persistent back pain and my health insurance denied it saying it's 'not medically necessary' and I need to try 6 more weeks of phys…
Short-term health insurance plans — are they worth it or just junk insurance?
I'm between jobs for 3 months and need temporary health coverage. Short-term plans are quoting me $150/month versus $600/month for a COBRA plan. But I've heard …
Adding a newborn to health insurance — deadlines and what happens if you miss them
My wife is due in 3 weeks and I'm trying to get ahead of the insurance paperwork. I know there's a special enrollment period when a baby is born, but how long d…
Medicare and out-of-country medical care — what coverage exists when traveling internationally?
My husband and I want to spend 6 months in Portugal after we retire at 65. We have Original Medicare with Medigap Plan G. I know Medicare generally doesn't cove…