Obamacare: can specialists refuse to treat me?

Do uniquely qualified specialists have the right to refuse to treat a patient who has name brand private sector insurance, just because the policy was purchased on the health insurance exchange? Special Case Dear Special Case, If the specialist accepts patients with insurance from that insurer, he or she would not be able to reject […]

Employer missed health insurance payments – what to do

I just found out that my employer has not been paying for my health insurance for the past seven months.  Should I try to get the $1,400 they “saved” or just be glad that they put me back on the plan? Unpleasantly Surprised Dear Unpleasantly Surprised, If you think this was a simple clerical error, […]

Obamacare: obese adults get special services

Obamacare/Affordable Care Act has a provision to allow obese individuals extra paid visits to providers to help them lose weight.  What providers other than General Practice doctors will be allowed to give these services? Getting Slimmer Dear Getting Slimmer, The service you describe is for adults age 18 or older whose BMI or waist circumference […]

Obamacare: domestic partner can go to exchange, but no subsidies

  I’m 51, live in Nevada, and am currently covered through my partners insurance under the domestic partner benefits. The cost for covering me is very expensive. Since we are not married am I still able to secure Obamacare for myself even if I am able to receive domestic partner benefits through my partner? I […]

Obamacare: subsidies offered under 400% of Federal Poverty

In order to qualify for any subsidies, what is the maximum adjustable income amount for 64 year old divorced woman? Indiana Gal Dear Indiana Gal, You would qualify for subsidies from the exchange if your Modified Adjusted Gross Income is less than 400% of Federal Poverty.  For a household of one person, that would be […]

Obamacare: taking COBRA or an exchange plan

If I get sick and can no longer work, can I get COBRA? Queasy Dear Queasy, During your sick leave, you will generally still be considered an employee.  The length of time that you will remain an employee varies by your employer’s own policy.  Therefore, COBRA would not be offered.  Once you are terminated, then […]

Test for toxins might be covered

What toxins can I get a blood test for, that health insurance will cover?  I know that lead is usually covered, but what else? Chem-Free Dear Chem-Free, As long as the test is medically necessary, it would generally be covered by health insurance.  The test would need to be related to symptoms you were having, […]