Tag Archives: uninsured

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 […]

Obamacare: no reasonable way to estimate saved or lost lives

Has anyone estimated the lives saved or lost under the Affordable Care Act relative to the healthcare situation before it was passed? Lives could be saved due to the increased number of Americans covered, the increased quality of the plans, or coverage for Americans with pre-existing conditions. Lives could be lost due to negative changes […]

Affordable Care Act: treatment abroad not changed

How does the Affordable Care Act impact people seeking treatment abroad? Will Travel Dear Will Travel, Health plans generally do not cover treatment from hospitals and doctors outside the United States, aside from emergency care.  The Affordable Care Act has standards for covered services and benefit limits.  However, it does not require plans to pay […]

Affordable Care Act: employer plan costs too much

Can you drop out of your health plan at work when it costs too much? Making Ends Meet Dear Making Ends Meet, You can drop out of your employer’s plan if you are paying part of the cost.  Your employer will ask you for a reason.  They are looking for a “family status change” or […]

Affordable Care Act: How will IRS find out I was uninsured?

I’m a struggling art student, and barely noticed the whole hullabaloo over Obamacare earlier this year.  I’m too late to get a plan now and I doubt I could have afforded it anyway.  How will the IRS ever know that I had no insurance? Creative Spirit Dear Creative Spirit, You ask a very good question, […]

College requires more health insurance than Obamacare

My girlfriend’s university plan requires a $2,000 out of pocket maximum, and strict limits on how high the deductible can be. These limits are written for individual plans, but she can be covered on her family’s insurance through work. There’s no plan in the state her parents work in that satisfies the school’s requirements (even […]

High deductible plan member — figuring out how much care will cost

As someone with a high deductible healthcare plan, how can I best estimate my out-of-pocket cost for a medical procedure prior to incurring the expense? My insurer does not make this information available.  All I want to know is, what the negotiated rate in-network is for a particular procedure.  In my experience, providers can tell […]

Affordable Care Act: Penalty applies even if you pay your own medical bills

Can I refuse to pay the penalty if I pay all of my medical expenses out of pocket? Let’s say I’m worth millions of dollars and I don’t want any health insurance company to have access to my health records. Can I just pay everything out of pocket instead? If so, I shouldn’t have to […]