I am (was) insured through a private insurance company in Florida (non-subsidy, non marketplace) for 2018. I have both health and dental through the same company.
On January 25th I set up auto pay for both plans and apparently the payments have not been going through for my health plan. They mailed me on March 15th stating my health plan was cancelled, and I just received/opened this mail today. I have emails from them confirming auto pay was set up in January and e-mails saying they would draft a certain amount each month from my auto pay in February and March.
I checked my bank account today to see that the drafts never happened for health, but they did for dental. The amount on my health insurance e-mails increased by my monthly premium each month (but I did not notice this, as I was only reading the subject lines of the e-mails assuming nothing was wrong, they read "your payment is scheduled" and "your payment has posted"). I do not check my bank account regularly and use auto pay for everything, so I didn't notice the amounts were only $25 instead of $500.
They never called, never e-mailed, and I have a setting enabled in my billing to e-mail me if a payment fails, or if I am overdue.
Is there anything specific I should say when I call tomorrow to have a better chance at reinstatement? I do have current medical issues and am very concerned this may leave me uninsured for the rest of the year. I don't know what to do.
I am unemployed and haven't had insurance for a few months now, as my COBRA plan ran out from my last employer back in November. I have two pre-existings for which I require medication for, and now that we're in March going on April, would it be cheaper to just go without health insurance the rest of the year/pay the premium or sign up for a plan that satisfies the mandate for the ACA?
The plans I'm finding now are either cheap (around $100/month through UHOne, United Healthcare, Care Access Plan, IHC Group) and DON'T satisfy the mandate, or expensive ($500/month through Carefirst) and DO cover the mandate.
I already attempted to get insurance through the ACA, but don't qualify for a triggering event, so I feel lost and am not sure what to do. Any help whatsoever would be sincerely appreciated. Thanks!
I've been trying to get this taken care of for 2 months now. I'm so confused. I am down to one weeks worth of anti-rejection medication. I just want literally pay thousands of dollars to a health insurance company so that I can keep my kidney. Why is this so hard?
some background: I'm currently enrolled in Medicare Part A only and nothing else. My applications to purchase plans through NY State of Health have been denied. I am a freelance writer making 90-120k a year and I just want to buy health insurance and no one seems to know how I can.
I was on dialysis for many years and covered under Medicare A and B. I got a kidney transplant in July 2013.
I was laid of from my job and started receiving COBRA benefits on 3/1/2015. During this time declined to pay Medicare Part B premiums because I was already paying COBRA ~$700 a month.
My COBRA benefits expired earlier last week on 3/1/2018. The month before that I had been trying to purchase insurance through https://nystateofhealth.ny.gov/
My applications kept getting denied and the Broker I was working with could not figure out why. I later learned it was because I'm still enrolled in Medicare Part A.
I recently spoke with Medicare Part A and they told me my coverage is set to expire on 8/2018, But that i'm not eligible for Part B. If I can't buy health insurance because i have Part A, but i'm not eligible for Part B, how am I supposed to get health insurance?
It seems like most of the questions on this sub are from the consumer side so I am not sure if this is the right place to post.
I’m struggling as a new physician trying to get labs covered or understanding what would be on someone’s formularly. And I’m not trying to get crazy things covered, just what I understand to be routine workup for certain conditions or symptoms. Examples just this week: -Code for peripheral neuropathy didn’t cover checking folate and B12 levels. -Code for restless legs doesn’t cover checking their iron and ferritin levels. -Wanted a higher potency steroid ointment for a patient and the one I picked wasn’t formularly, but the prior auth gave no suggestions on which steroids ointments would be covered. I don’t care which one, I just want you to tell me what you want!
I know that it all varies by insurance but Medicare sets most of the rules as I understand and other insurance companies often follow similar guidelines. So I know there is no way to find answers for all insurances, but I was hoping someone could give some resources or guidance to find out what codes would cover what labs. I am not interested in lying and putting incorrect codes, but I’m worried that there is a subtly different code that would cover something or another condition of theirs that would cover it that I just don’t know about. The lab will call me and tell me a code is not covered but cannot suggest a code that would be covered.
I don’t know that these are the best examples, just things that happened this week.
Maybe there isn’t a solution for this but it seems like more seasoned physician have figured out some of the “rules” over time and I am struggling to figure out where to start.
Anybody on the insurance side of things have any suggestions to learn how to code properly to get things covered?!?
So I turn 26 on the 10th. I'm not sure if I get kicked off my parents insurance that day or at the end of the month. I'm trying to sign up for health insurance at my job but they need proof that I am losing my coverage. When can I expect this to come in the mail? I can't have any gaps in insurance coverage because I see a therapist twice a week and I'm on medication that is thousands without insurance. My job said their insurance company will retroactively cover anything during the gap, but the problem is the therapist and psychiatrist won't see me when I lose coverage unless I pay out of pocket before the appointment and I just don't have the money. If I don't get anything in the mail by the 10th should I just call my current insurance? I'm so anxious about this.
I was rejected for not being able to submit my required forms in time. I was asked to submit a medical assessment, Income and termination papers but by the time I actually received my mail I had ~9 days to collect that information.
My question is how am I supposed to provide a medical assessment if I already don’t have insurance?
I tried to call multiple times and was put on hold for multiple hours so I never got to talk to anyone.
I admit I should have put more time in it, I’m young and learning, but now I’ve been rejected and need to appeal. Has anyone dealt with this process? I applied via healthcare.gov and qualified for free/low cost insurance.
I had insurance last year, It was blue cross, but It was not renewed by my mother who had moved overseas. (She’s back now but I remain independent) My college doesn’t offer health insurance plans either.
Just got a notice in the mail saying I missed the deadline to renew for Medicaid in 2018. Searched around my bedroom and low and behold, the renewal form. Is there anything I can do within the next 60 days to attempt to renew it for the 2018 period? My current employer does not offer health insurance. Currently 23 living with my parents, done with college, working at a part time job. Any assistance would be greatly appreciated, thank you!
Hello, I recently got benefits at my workplace, and after researching for a bit I wanted to ask some questions. This is my first time getting health benefits so I wanted to make sure I choose a good plan.
As for me, I'm relatively young, healthy, and exercise daily. I'm inclined to go with a cheaper plan, but I have questions about them.
I'm offered one of three netowrk plans: a coinsurance plan, a copay plan and a traditional coinsurance plan. They're organized like this:
Coinsurance: Deductible (800), Out of Pocket (3k), % I pay (20%).
Copay: Deductible (300), Out of Pocket (1.4k), % I pay (10%), with 25 for primary care, 40 for specialist, 300 for outpatient.
Traditional Coinsurance: Deductible (400), Out of Pocket (3.2k), % I pay (20%)
And the cost/month is:
Coinsurance: 60/month for Rx coinsurance, 70 for Rx copay
Copay: 125/month for Rx coinsurance, 135 for Rx copay
Trad Coin: 141/month for Rx coinsurance, 151 for Rx copay
What I know of the plans is the coinsurance can be cheaper, but its riskier. Coinsurance means I pay percentages, which during costlier procedures could end up being worse for you compared to copays. Additionally, for the coinsurance, the out of pocket is significantly higher, meaning I'd have to pay more to hit the point where insurance would kick in. However, as I'm relatively younger and healthier, the coinsurance network would be better for me as I don't really visit the doctor much. What I want to get is the Coinsurance network w/ Rx coinsurance, not because its the cheapest but also because I don't think I would use it much. I'm not on any medication at the moment either.
For the past 6 months, I've been unemployed and paying for my own health insurance. I currently have Horizon Omnia Silver and I recently just landed a new job that is offering UnitedHealthcare Oxford (either Gold or Platinum) and will pay 75% of the plan.
I recently just went to the ER and from that my deductible was hit (but I haven't paid it yet). My question is what happens if 1. If I do not pay the deductible? and 2. Do deducible being met usually mean that the rest of your care is 100% paid for?