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Health Insurance Knowledge Base

health insurance? My company allow me to buy my parent's health insurance with me. can i include that amount into my itemize deduction? even though my dad file his own tax return; my dad is not a dependent on my tax return;
Health Insurance ==> ?!?!??!?!? I need to get a health insurance. Where is the best place to get it from?
How does health insurance work in Medical School? It is my plan to start medical school next year, and I am concerned about health insurance. Since I can not work, I know that some school do provide health insurance, but is it including in tuition? And how exactly does it work? Is it the type of insurance that is limited to only the school's health care system or is it broader? Please help.
How does health insurance work in the US? I am a non-US citizen and need this information to do a case. Specifically: 1) Is health insurance compulsory for everyone? 2) What happens if someone cannot afford it? 3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? Does the patient need to pay anything extra? 4) Does the patient have any say over what kind of procedure he can take? Say if 2 treatments are available for his condition, can the patient choose the more expensive treatment? And if so, is it covered by the insurance? Thanks for reading this. Your help in answering any part of the questions would be greatly appreciated! Thanks to those who have responded so far. I would like to further ask: Does a health insurance contract state that it will only cover the "normal" rates for a procedure? For eg. if there are 2 possible treatments for a disease, 1 of which is more expensive but more effective than the other, will the patient only be covered by the LESS expensive one? Or is it a case in which the patient can opt for the more expensive one and "top-up" the difference? This is a crucial question to my understanding the case. Thanks!
What health insurance plans cover toenail fungus medication and nail removal surgery? Hi, I suffer from toenail fungus, and I've tried ALL home remedies available without success. I'm also about to buy health insurance. I thought I would take this opportunity to finally visit the doctor and get rid of this problem. My questions are: 1. Which health insurance plans offer the best coverage to treat toenail fungus? 2. Do they cover the medication and the surgery required in some cases to remove the toenail? Thank you for all your help!
Can I reimburse myself health insurance costs from my company? We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband's employer, I stopped reimbursing myself. He is paid for by the company, and then it costs extra to add myself and our child. I was just going to deduct health insurance premiums on our Sch A, but we don't have enough other medical expenses to meet the limit. Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.
What type of health insurance covers everything from a bug bite to brain surgery? I am about to buy my own health insurance and i was wondering what type of insurance covers everything possible. I keep hearing stories about insurance not payting for certain test or some insurance not paying doctors to check for somethings. I want insurance that will cover me if i happen to go in for cancer or anything possible. Also if you have any suggestion on any great insurance suppliers please let me know.
How do health insurance tax deductions work for a member managed LLC? I own a business (LLC) with two other people. It is only us three; we do not have any additional employees. We pay for our health insurance through our business. Based on these facts, I was wondering how much I stand to save on my personal taxes. Is this a standard write off like any other business expense or does the IRS treat health insurance differently?
What is the difference between Health Insurance and Health care Program? Is it OK to have just the health care program and not have the Health Insurance Plan? I can get Health care program for half the monthly premium as compared to the Health Insurance Plan. Please advise? Is it advisable?
Am I able to write off Health Insurance Premiums for tax purposes at the end of the year? I am looking to purchase my own health insurance instead of going through my company. I know that the company takes out the cost on a pre-tax basis, but their insurance is not the greatest. If I do decided to sign up for health insurance, will I be able to use the cost of my own health insurance as a deduction fo tax purposes?
What affordable health insurance would you recommend for my uninsured 21 year old daughter? She works full time but her employer charges an outrageous amount of money for health insurance. I know there are many many young people who don't have health insurance, mostly because of the cost of high insurance premiums. But my daughter really needs it cause she has some health issues that will stay with her for a lifetime. thanks everyone!
Are health insurance premiums that I pay and are deducted from my paycheck paid with after-tax dollars? My health insurance is through my employer but I have to pay part of the premium and it is deducted from my paycheck each pay period. I am filing my taxes and am being asked if the premiums are paid for with after-tax dollars. Any answers?
What health insurance is best and affordable for my wife? We had a baby 3 months ago, but I am looking for health insurance that is good and affordable for my wife. Any suggestions?
how can i tell if my health insurance benefits are pre taxed? Keep in mind, your health insurance premiums can't be deducted if they're taken out of your paycheck as pre-tax dollars. However, after-tax health insurance premiums are deductible, but they still are subject to a limitation of 7.5% of your AGI. If you're self-employed, you may deduct a portion of your health insurance premiums as an adjustment. The self-employed deductible portion is 100% in 2007.
What is a discount health insurance plan for self employed in California who is an Urban Planner? I know that certain trade organizations offer discount health insurance under group rates if you join. However, I am unaware of any groups for a person who is self employed as an expeditor--a person who works in the urban planning field filing cases. He pays a exhoribant monthy premium for his health insurance.
What health insurance would offer the best coverage for rhinoplasty/septoplasty? I'm having rhinoplasty. Health insurance should cover some of it since I'm going to correct a deviated septum for breathing problems. Anyone know what health insurance plan/s provides the most coverage for this procedure. I live in southern CA. Thanks.
How many health insurance policies written in USA in 2007 or 2006? We understand that 49 million plus Americans do not have health insurance. There is individual and there is family insurance. Therefore, if 300 million Americans and 50 do not have health insurance then 250 million do. Were 250 million policies written?
How do you find out if your health insurance covers mental health? I need to find out if my health insurance plans cover psychologist visits and mental illnesses. Thanks!
How can I get health insurance for myself and family and pay for it as business expense without employees? I'm a successful part time entrepreneur in California, but I maintain my day job because of the group health insurance they offer. I'd like to cut the apron string and go out completely on my own, but the insurance situation holds these plans hostage. I don't want to buy private health insurance, I would like to structure my one man business so that I can easily purchase group health insurance for myself and family. I'd like to purchase group insurance as opposed to private insurance so that I don't have to deal with preexisting conditions and riders, etc. Since I'm still a sole proprietor, I have plenty of leeway in regards to business structure, and I'm willing to change whatever is necessary to get the best deal possible. How can I get health insurance for myself and family and pay for it as business expense without employees?
Why was my health insurance terminated when I am 20 and fulltime college student? I am a dependant on my mother's health insurance from her employer. Recently I was sent a mail requesting a proof of enrollment to show that I am indeed a full-time student. I put in a proof of enrollment that I am taking the 12 units in college, plus I also sent a copy of my schedule for this semester. Today I get a letter saying that my insurance has been terminated and I am no longer eligible because of my age. I thought full time students who are 21 and under can still be placed as a dependant? Is there a chance they just didnt receive my mail? If thats so, then why didnt they state that they didnt receive the required proof of enrollment instead of terminating me for my age? I want to call them but they are closed for the weekend, so any advice from you guys so I know what I am saying when im on the phone with them would be helpful. Btw it is not grades, I have a 3.5 gpa. All those telling me to call them up is useless since I already plan to, what I need is any advice on what to say when I do call them on monday, since they are closed for the weekend.
How to get health insurance for my unborn daughter? I'm 22. I have health insurance coverage under my parents (it's just better insurance than I could get on my own, that's why I've kept it). However, I am pregnant and need to find insurance for my daughter for when she's born. Under my current insurance, I am covered but she is not. My question is, what should I do? I got an application for Medicaid but will it cover her before she is born, even though I don't need insurance? Any advice?
How can I find a health insurance provider that will cover costs for getting Accutane? Hi, I have never bought health insurance before, and I would like to know how I could find out if a particular health insurance provider would cover the costs of me going to a dermatologist and getting Accutane. Can anyone help me?
How should I do health insurance deduction from paycheck if I choose my own health insurance ? I want to choose my own insurance instead of company sponsored plan. Usually when we elect company sponsored plan the premium on health insurance is tax deducted from the paycheck. But if I choose and pay my own insurance Can I still make tax deducted from each paycheck? or should I apply tax deduction during tax filing?
How to get an international health insurance for 5 days to satisfy the Schengen visa requirements for France? I am traveling to France soon and the Sheghen visa requires me to produce the follow: "A letter from your insurance company (+ 1 copy) stating that you will be covered for any medical expenses, hospitalization and repatriation for at least $45,000 during your stay in Europe." The insurance available on the internet looks fake. Does anyone know any genuine website/ company to get a short stay health insurance from? Thanks.
What is the best health insurance and life insurance policies to go with? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?
can regular health insurance be used for health-related dental work? I have not only very unhealthy teeth, but an undersized lower jaw. Both of which is causing quite a bit of health problems (from digestive difficulties to sleep apnia). With this being not merely dental, can my health insurance be used to fund some way of fixing this problem?
What is the waiting period on a health insurance policy? I was in a car accident about 1 1/2 months after I got my new health insurance coverage. I didn't have personal injury protection on my auto insurance policy so i'm billing my health insurance for the costs. Anyways they just sent me a letter saying that the services occurred within the waiting period of the policy therefore this claim is pending for receipt of physicians report. What does all this mean? Can they deny the coverage?
What is a good health insurance for children with special needs? My son is on a feeding tube due to a small bowel transplant he received last year. My husband and I are returning to a full work schedule and our health insurance (Tricare) does not cover a nurse for him, or special daycare because his only special need is the feeding tube and the medication he receives through it. Apparently that's not enough. So is there a good company that I can purchase insurance through who will cover these types of things for him?
What is the best health insurance and cheapest that covers medical, dental and vision in Miami, FL? I am searching to find the best possible health insurance that offers the lowest rates/charges, since I am fed up with my previous one that was too expensive and did not cover may of my visits. I need the insurance that covers medical, dental and vision and that it is for Miami-Dade county, Florida. Does anyone know? Thank you very much!
How do you obtain health insurance, for someone who is already in the hospital? Hello, My friend is already in the hospital. He was in a car accident. He does not have insurance, but I am trying to provide some kind of coverage for him. Most health insurance companies will not cover someone who is already in the hospital. And he does not qualify for Medi-Cal. So are there any other options available out there, so that he can get the surgery he needs?
What the health insurance influences on? I would like to know if a pregnant women can be treated in different ways depending on her health insurance. I can imagine that different health insurances can cover pregnancy in different way. For example with some health insurance the woman cannot get some services which she could get with another health insurance. Is that true? I also can imagine that different health insurances can have a different network of medical providers which could have different level of services and qualification of staff. Is that true?
What kind of health insurance plans do college and professional sports teams get? Do the athletes themselves have to make copayments and such as that for their own surgeries,doctor visits,etc. like the rest of us do? What about the coaches? Is it the same for them? If I can get some answers from anyone who has worked with health insurance,good!
How to keep Health insurance from being cut because of low hours? My sister is 6 months pregnant and just found out from her work today that her health care insurance is going to be cancelled this week because she is not making enough hours for her to keep her coverage. Is there anyway around this? Or any suggestions? She is married but her husband cannot add her to his coverage until enrollment period which is after her due date. He also makes to much to have medicade.
How do I go about getting health insurance? I work, but I work part time, I have alot going on right now in my life so I don't have time for a full time job. I may be pragrant but I'm not 100% sure yet. So how do I go about getting health insurance? I'm 19 years old, (I know too young to have a child and so forth, but please, I just need to know about the health insurance) Thanks in advance. Oh and I live in Baltimore, Maryland, if that helps.
What are the best health insurance options for independant business owners? A dear friend is purchasing a Salon soon. She has covered all her financial bases and made smart choices so far. HEr main concern now is health insurance. She has always worked for a company that provided insurance, with an employee contribution. She and her husband are african american, about 45 yrs old, the husband smokes, she does not. What are the options out there that are affordable? Cobra will do for now, but as you know, full health insurance premiums are very high, what reccommendations do you have?
Health insurance for a person with a pre-existing condition in the state of Washington? My husband who is 35 and a contractor has a pre-existing condition. Does somebody know of a health insurance who takes members with pre-existing conditions in the state of Washington?
What kind of health insurance does a business provide to its employees? Describe the measures they take in hopes to contain the cost of health insurance.
Will my Health Insurance sue the father of my baby for pregnancy-related expenses? I am 7 months pregnant, and my partner and I are not married for complicated reasons and will not be married when the baby is born. I recently heard that my insurance company (through my employer) might sue him for medical expenses related to the pregnancy (he doesn't have health insurance). Is this true? Has this happened to any of you?
How do the candidates expect to make everyone buy health insurance? Health insurance costs are extraordinary, Hillary and OBama want to force people to buy health insurance (and subsidize the costs for some) but they fail to address the reasons health insurance is so expensive. Medical malpractice insurance costs doctors more than most people make a year, and Insurance companies answer to their stockholders before their customers are two of the main reasons it is so expensive. It seems that insurance companies are the ONLY winners in the field of medicine. The democrat solutions to the "health care crisis" only masks the problem. Whimsey... it didn't work with car insurance did it? everyone is supposed to have it and the costs continue to soar. How will health insurance be different?
How do you get health insurance if you suffer from depression? I have a friend who's been turned down for salary protection because he was once treated with depression. He's afraid now that he's becoming self-employed he's going to have trouble getting health insurance. Is there anything he should be doing to get covered?
Is expanded health insurance coverage the answer to the health care issue in our country? I've seen some of the proposals by the presidential candidates advocating expanded health insurance coverage. Is this subsidizing health insurance companies? Are companies that are in business for a profit the best means for health care?
What pet health insurance policies are recommended? My dog has been on the Banfield Wellness Plan for a few years, but I am discovering that it is not one of the best health plans. Her current plan only allows her to get treated at the Banfield Hospital that the plan was signed up under, and they don't have extended hours. They are always closed on Sundays and Mondays, and it's difficult to find a vet that doesn't charge too much for anything. I'm trying to look for a different pet health insurance plan where I can take her anywhere any time during the week or weekend.
How much does health care insurance cost in America? Im planning on moving to America with my 2 children to live with my boyfriend, can anyone tell me how much health insurance costs?
What are some affordable Health Insurance Options in NYC for Latin American father and his child to be? My friend doesn't have health insurance and is planning on putting his new baby (born around Oct.) on his policy with him. He's Latin American and has his permanent residence card, but is not yet a citizen. Anyone know of any affordable plans for him to look into in the Manhattan area?
Do you have to have health insurance when entering the Peace Corps? Do you have to have health insurance BEFORE entering and if you take their insurance for the Peace Corps, when does coverage begin? So when am I covered? Will I be covered as soon as I am accepted or as soon as I step foot onto foreign soil?
How do you find affordable health insurance? I have a friend of mine who lives in Florida. He had open heart surgery a few years ago. After the surgery was done, the Dr walked in the room and told my friend he really never needed the surgery to begin with. He is trying to find health insurance and he is having trouble finding it because of his heart condition even though now he doesn't have one. Most of the health insurance companies want more then $1500 a month to insure him. How does he find affordable insurance in the US?
How do health insurance deductibles work? Basically, I'm looking to get new health insurance (my work insurance blows) and I have a choice between one that is $180 per month but with a 1,000 deductible and one that is $480 and has no deductible.
How should I start going to the doctor - Received Health Insurance after 7 years with none? An odd question, but stay with me: I haven't had any health insurance for 7 years. Now, finally with a wonderful new job, my excellent health insurance benefits start tomorrow. There is so much that I need. When should I go to the doctor? I'm posititive they will find little things that I have had for a long time, but done nothing about - will they determine it to be a pre-exsisting condition? I mean, if I go the first day of my insurance, they will know that I had this medical condition before my insurance was in place - does that make a difference? I don't know how it works. Thanks!
What kind of health insurance should I get for my family? The health insurance i get from my job sucks, I'm paying $500 out of pocket per month. My wife and I are both young, barely go to the doctor if at all. The only reason I have insurance is for my 10-month old son's vaccinations and such. There must be a better type of insurance for me to get, any recommendations?
How can I get health insurance for my family member? My little cousin has absolutely no health insurance, and he has never even been to the dentist. Right now, he really needs extensive dental work. Unfortunately, his parents are ill-equipped to help in this situation, and he is not old enough to get his own insurance (nor is he old enough to work). Basically, it's impossible for his parents to get insurance for him, so I want to help him myself. Since I am not his parent, and our slight age difference makes it impossible for me to pretend to be his parent, I don't see how I can put him on my insurance. He doesn't really speak to his parents, so that makes it even more difficult to coordinate anything with them. I don't make that much money, so I couldn't possibly pay for the work solely out of my pocket. Some sort of financial assistance is simply a must. What can I do to help pay for this dental work?
What is the best health insurance for a 25 yr old married couple? My husband and I are looking for health insurance. I grew up on Blue Cross Blue Shield but I don't know if that is an A rated company or not. Also, what benefits should I look for, what kind of deductible and what kind of q's should I ask?
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