• Insurance policies for cosmetic surgery?

    9 answers · 22 hours ago
  • Should higher paid spouse or lower paid spouse get workplace offered insurance?

    Let's say my husband's work and my work have comparable health insurance plans is it best for the person who makes the most or the least to get the insurance for the family? Specifically what is best when it comes to tax return time?
    Let's say my husband's work and my work have comparable health insurance plans is it best for the person who makes the most or the least to get the insurance for the family? Specifically what is best when it comes to tax return time?
    13 answers · 2 days ago
  • Should I get a 30 yr $800k term life insurance policy at 30 yrs old?

    I do not currently have dependents and such but could expect to within a 10 yr window. I actually do want to kind of lock in a lower rate as opposed to starting term life later and paying more per month later. If my assets get built large enough later then I realize I may not need the policy and could cancel it. ... show more
    I do not currently have dependents and such but could expect to within a 10 yr window. I actually do want to kind of lock in a lower rate as opposed to starting term life later and paying more per month later. If my assets get built large enough later then I realize I may not need the policy and could cancel it. I am thinking of income replacement for survivors if I would die later during the term insurance. I realize I could start by taking out a smaller policy like a 250k term for 10 yrs but then if I start a 20 yr term after that then I assume it would still cost me a higher premium at that time. Thoughts folks? Thanks in advance.
    13 answers · 4 days ago
  • Surgery center billed my insurance $202,500 for outpatient endoscopic sinus surgery.?

    I haven t been billed yet, but the EOB says my responsibility is $198K. Before surgery, I spoke with my doctor s office and researched and both said average price is $5k (FYI, I have a $1k deductible). The claim has been processed and my insurance says they ll cover $7.9k. Something seems wrong, but everyone is... show more
    I haven t been billed yet, but the EOB says my responsibility is $198K. Before surgery, I spoke with my doctor s office and researched and both said average price is $5k (FYI, I have a $1k deductible). The claim has been processed and my insurance says they ll cover $7.9k. Something seems wrong, but everyone is telling me to wait for the bill first. Is this price insane or normal? Should I contact the surgery center or continue waiting for the bill?
    14 answers · 6 days ago
  • When will the subsidy I receive for health insurance actually stop?

    Best answer: Unfortunately, both answers you received so far are not completely correct. Which is understandable because of all of the misinformation put forth on the news. The money that is being cut by the executive order is for the Cost Sharing Reduction (CSR). This reduces the amount that people have to pay for... show more
    Best answer: Unfortunately, both answers you received so far are not completely correct. Which is understandable because of all of the misinformation put forth on the news.

    The money that is being cut by the executive order is for the Cost Sharing Reduction (CSR). This reduces the amount that people have to pay for deductibles, copayments, and coinsurance. It is for those making between 100% and 250% of the Federal Poverty Level in states that didn't expand welfare and between 138% and 250% in states that did expand welfare.

    For example, if your plan qualifies under CSR regulations you pay $10 co-pay at the doctor's office instead of the $25 you would have paid for that same policy if you didn't receive the CSR. The insurance company would then have to pay the doctors that $15 difference when the doctors filed the claim, and the government would then pay that amount to the insurance companies.

    The executive order does not change the tax subsidy that you get. If you are low income you'd then need to pay a little more when you use medical services. You will not lose your insurance nor your subsidy because of this order.

    The Cost Sharing Reduction was appropriated in the healthcare bill but was never funded. Congress is responsible for funding but never did fund it, and since they didn't do so paying that money was not legal. So what Trump did was rescind that payment and put it on Congress to fund it.
    5 answers · 5 days ago
  • Medical Billing: Am i being charged twice?

    I went to the OBGYN to get on birth control. I spoke with the doctor and spoke about different birth control methods. Ultimately, I chose Kyleena (IUD). The doctor said she would get the receptionist to call my insurance company and see if they would cover it. I received a call from the receptionist a week later... show more
    I went to the OBGYN to get on birth control. I spoke with the doctor and spoke about different birth control methods. Ultimately, I chose Kyleena (IUD). The doctor said she would get the receptionist to call my insurance company and see if they would cover it. I received a call from the receptionist a week later and was told I needed to pay $349 upfront. That would cover the deductible and the rest not covered by the insurance. I have tricare standard. I have a deductible of $150. I went in for my appointment to have the procedure and paid the $349. 2 weeks later I have received two additionals bills from the OBGYN of $28 and $175. I have the bills and it shows me where my insurance did not cover the complete total (adjustments). My concern is where did the $349 go? I understand $150 went to the deductible. What happened to the remaining payment? It doesn't even show up on the bill. Please help me understand. I believe I am getting charged twice. If you add $28 and $175 it equals to $203. The prepayment $349-$150(deductible) equals to $199. Do you belive my suspicion of being charged twice is correct?
    9 answers · 4 days ago
  • Will home insurance cover a damaged door frame?

    I few years ago my elderly mother was living with me and she fell and couldn't get up when nobody was home. Luckily she had LifeAlert so she was able to press the emergency button around her neck, and the LifeAlert responders dispatched the fire department. However, the house was locked up so the fire... show more
    I few years ago my elderly mother was living with me and she fell and couldn't get up when nobody was home. Luckily she had LifeAlert so she was able to press the emergency button around her neck, and the LifeAlert responders dispatched the fire department. However, the house was locked up so the fire department had to force the door open which damaged the frame. We tried to piece it back together as best we could, but it's slowly been falling apart with use since then and now the door isn't very secure. I was wondering if anyone knows if this is something that would be covered by my homeowners insurance because it is a problem that deals with home security? I plan on calling my insurer but I figured I would ask here first.
    7 answers · 3 days ago
  • I need referral to see specialists on my insurance plan.... How much does it cost if no referral?

    Ok folks. I need to see a urology specialist. The urologist said I need a referral from a primary care. I will not have a referral since I dont see a primary care doc. If I show up to the specialist with no referral then how much money will the visit cost even though "? Will it be more expensive than paying... show more
    Ok folks. I need to see a urology specialist. The urologist said I need a referral from a primary care. I will not have a referral since I dont see a primary care doc. If I show up to the specialist with no referral then how much money will the visit cost even though "? Will it be more expensive than paying the doctors cash price??? Likely I wont need any blood test at this time so Im mostly expecting a straight-shot appointment.
    4 answers · 15 hours ago
  • I have cigna insurance through Macy's and I want to cancel because it's too expensive but no one knows the right to way to get out of it.?

    Best answer: A question for your State Insurance Licensing Bureau.
    Meantime: DISENROLLMENT
    https://www.cigna.com/medicare/resources/disenrollment
    Best answer: A question for your State Insurance Licensing Bureau.
    Meantime: DISENROLLMENT
    https://www.cigna.com/medicare/resources/disenrollment
    6 answers · 3 days ago
  • Wich life issurance do you suggest?

    I'm thinking on something that covers you daily, like dental care, minor injury, housekeeping accident and situation like this
    I'm thinking on something that covers you daily, like dental care, minor injury, housekeeping accident and situation like this
    4 answers · 20 hours ago
  • Do I have to put down 2 for covered Ca. healthcare rates when my husband is on medicare?

    Best answer: When you use the covered california website, there will be a question near the beginning of the process that says something like "do you want coverage for others?"
    - you would answer "no" to this question since you are only shopping for yourself
    Best answer: When you use the covered california website, there will be a question near the beginning of the process that says something like "do you want coverage for others?"
    - you would answer "no" to this question since you are only shopping for yourself
    6 answers · 3 days ago