Category Archives: Individual

Medicare covers wheelchairs; you pay 20%

What is it like to have Medicare as your primary insurance, in particular for durable medical equipment, such as prostheses or wheelchairs? Shifting Forward Dear Shifting Forward, Medicare Part B does cover durable medical equipment, including prostheses and wheelchairs.  See Medicare.gov’s list.  “Part B” is Medicare’s coverage for physician services and other out-of-hospital items.  It […]

Find out whether local hospital is in network

How do I know whether care from my local hospital will be covered by my health insurance plan?  I got my plan from the exchange and am having a hard time figuring out what is what. Puzzled Dear Puzzled, Your best bet is to ask the insurance plan directly.  You can call them; there should […]

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 […]