All posts by Linda Riddell

Linda Riddell

About Linda Riddell

A published author and health policy analyst with 25 years’ experience, Linda Riddell's goal is to alleviate the widespread ailment of not knowing what your health plan can do for you.

Advice on health insurance options – go to a broker

I need some advice on health insurance. I am trying to find good health coverage, company and deductibles, copays and all I get is confused on understanding it.  I must find a good plan for two adults and one five year old. Seeker Dear Seeker, There are plenty of sources of information about your health […]

Obamacare: when to drop your child

When do I have to drop my child from my health plan at work? Cutting The Ties Dear Cutting The Ties, In most states and situations, your insurer will drop your child the month after he or she turns 26.  If your plan offers COBRA, then COBRA would be available.  Some states require insurers to allow […]

How much you pay before the plan pays

Does the coinsurance on health insurance apply to the total medical charge or the discounted charge after the health plan’s discount?  For example, my insurance company says I owe 20% coinsurance on laboratory visits. The lab charged $200, and the insurance company disallowed $175, which means we have $25 left over. The insurance company says […]

Health plan for non-citizens available “off exchange”

Interested in understanding if non US citizens (above 60 years old) can buy health insurance in the US; if so, what are the options & where to find these plans. Foreigner Dear Foreigner, You can buy insurance directly from a carrier, as a non-citizen.  You cannot go to the insurance exchange, since that is available […]