Tag Archives: out-of-network doctors and hospitals

Daughter can have Medicaid and employer plan

I am an employee enrolling in a High Deductible Health Plan (for the first time) for 2015 and my 11-year-old dependent daughter has Medicaid. Will she still be a covered dependent under the HDHP as well? Julie in Pennsylvania Dear Julie, Your daughter is allowed to have both private health insurance and Medicaid at the […]

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 […]

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 […]

Medical tourism — getting surgery cheaper elsewhere

Which health insurance providers have provisions that allow for medical tourism?  I’ve heard that hip surgery is much cheaper in other countries, and I’m going to need it soon. Have Hip, Will Travel Dear Have Hip, Will Travel,  Medical tourism is going to another country for medical care.  It is popular for cosmetic procedures or […]

Pregnancy in one state, delivery in another

I’m in college and got pregnant by accident.  I’m getting pre-natal care and am doing fine.  I plan to finish my classes which end a week or so before the due date.  My boyfriend’s parents want me to have the baby there; they live three hours’ drive away in another state.  My parents have not […]