My husband and I are married filing jointly, can we have individual health care plans, I have alot of health issues and so meeting my share of deductible is easy. He is thankfully healthy and hasn’t even been to the doctor for a couple years. Therefore, I had to meet the deductible for both of […]
In a health insurance plan, does the deductible amount (the amount you pay before the insurance starts paying) include the monthly premium payments? If not, how is the deductible paid? Paying Up Dear Paying Up, You have correctly described the deductible — the amount you pay before insurance starts paying. Imagine you have a $500 […]
Why does this make sense — Medical premiums are tax free but the employers contributions are taxed to us as ordinary income? And most of the time our deductibles are so high we don’t get any benefit from the coverage anyway? Stumped Dear Stumped, Employer contributions toward health insurance are not taxed to you as […]
I am 66 years old, living with my son in Florida. I have $8,500 a year in income from a pension in my home country. I do not qualify for the insurance marketplace or Medicare, because I never worked in this country. What can I do for insurance? CB in the Sunshine State Dear CB, […]
What is the best health insurance plan for someone living in New York City, who has Irritable Bowel Syndrome and acid reflux? I want to be able to see gastroenterologists when I need to have specialized procedures or tests done. My main concern is that when a doctor recommends me to someone else there’s a […]
I have two more questions concerning MAGI when calculating the cost for affordable care insurance. Will withdrawals from a Roth IRA or a Money Market account count as income? If either one doesn’t , would it be a good idea to start taking money out of my 403b account and put it in a savings […]
When I retire in 2015, I know that I will need supplemental insurance in addition to Medicare. My main concern is getting affordable insurance for my wife, who is 58 years old. The only income for both of us will be my Social Security and a 403b account from my employer. I know that Social […]
I took my kids to the doctor’s office for their flu shots. They told me that the flu shots were covered because of Obamacare, but I still owed the $25 co-pay. Is that allowed? Feeling Gipped Dear Feeling Gipped, It is allowed, however if the only purpose of the visit was the flu shot, the […]
Why hasn’t anyone thought of a health insurance plan to cover alternative medicine? An insurance that goes outside the current health system, a separate insurance for people looking for these complementary and alternative medicine treatments? Other Path Seeker Dear Other Path Seeker, Your current health insurance may cover it already. The Affordable Care Act (“Obamacare”) […]
Do insurance companies cover the cost of more accurate tests, such as ultrasound or blood tests, if a patient can provide evidence that he/she has one or more cancer marker genes? Informed Patient Dear Informed Patient, The insurer will pay for medically necessary tests. So, if the doctor believes that the ultrasound or blood test […]
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