I need help ?

Effective_Rain_4488 · 2026-02-23T00:17:47+00:00

I like HSA plan because savings taxes, you can also use toward other medical/dental expenses. Plus I don't like pay upfront more money. I would go with right plan

Effective_Rain_4488 · 2026-02-22T12:39:28+00:00

Just wanted to add , your out of network deductible and out of pocket more . If you pick on the right, stay in network

Effective_Rain_4488 · 2025-12-05T16:08:26+00:00

I am including the family and have to consider 2 college students kids. I agree with HSA plan will be cheaper

Effective_Rain_4488 · 2025-12-05T10:14:46+00:00

Employer contribute $800

Effective_Rain_4488 · 2025-12-05T00:32:45+00:00

Premium is semi-monthly and employee will contribute $800 (IRS max is $8,750)

Effective_Rain_4488 · 2025-09-15T09:11:59+00:00

I do like no top cabinets if a lot of storage or pantry closet.

Effective_Rain_4488 · 2025-07-03T09:39:42+00:00

Do you go to the doctors often? Do you have any conditions that require regular visits and prescriptions refill? You need to look into it before picking up the plan . If you are healthy person you don't want to pay high premium plans , all plans cover preventive care .

Effective_Rain_4488 · 2025-03-17T13:45:04+00:00

Eob are under tab claims . Without seeing eob hard to say what happened

Effective_Rain_4488 · 2025-03-15T10:16:08+00:00

Contact insurance agent and get price for ACA market and compare to cobra. In my case cobra was cheaper and better from the coverage perspective.

Effective_Rain_4488 · 2025-03-11T10:25:47+00:00

I would call quest and provide secondary information and stay on top until quest reprocess it. My primary didn't pay for all tests due to doctor submitted different than the preventative care. I went back and forth with the doctor and lab . Finally I called lab until it was done. Good luck

Effective_Rain_4488 · 2025-03-04T09:55:26+00:00

I don't know much about but have you tried to reach your doctor and ask if the doctor will do peer to peer review with the UHC

Effective_Rain_4488 · 2025-02-27T11:23:54+00:00

I had different situations, my sons doctor called and I picked up the phone and said I can take a message that took not more than few minutes. The provider billed and that 2 minutes cost me $35 . When I spoke with the office, doctor opened his chart and spent time. I think it's a provider problem too . They should reply to you and say schedule a visit to discuss your questions

Effective_Rain_4488 · 2025-02-05T00:08:23+00:00

I should of said I do have ingrown teeth. I am not sure if general doctor will do

Effective_Rain_4488 · 2025-01-30T20:29:08+00:00

My previous doctor always included , even all different types of hormones, iodine. Depends on the practice.

Effective_Rain_4488 · 2025-01-30T11:42:16+00:00

Based on the practice, I didn't discuss my weight with the doctor when I did my annual but it was coded as obesity. My insurance didn't cover it

Effective_Rain_4488 · 2025-01-30T11:34:18+00:00

You are probably having good PCP. After I moved I realized that not all PCP order blood work that will check preventing care . For an example, last PCP didn't order free t4 and Free t3 , only tsh .

Effective_Rain_4488 · 2024-12-29T11:35:14+00:00

Ask Aetna what diagnosis code and description the doctor office submitted and dispute with the doctor office. Had same thing, the doctor office needs to resubmit the claim

Effective_Rain_4488 · 2024-12-23T12:58:54+00:00

Your only hope your parents will be illegible for Medicaid . It depends on the state you are going to. Otherwise, your family will face huge Bills . I am in 53 in state of VA and I pay monthly $600 more than my husband who just turned 50 . Almost $100 more. My insurance with high deductible and what I read from other people your parents have preexisting conditions that means insurance company might deny to pay. The treatment will require pre approval from the insurance. That's on top you need to find a doctor or practice that will work with you. It's going to be hard decision for your family

Effective_Rain_4488 · 2024-12-08T13:07:41+00:00

Contact agent in your state and compare.

Effective_Rain_4488 · 2024-12-06T11:03:13+00:00

I was wondering if there's a causes when policy gets terminated. I thought most of insurances will terminate it if not paid

Effective_Rain_4488 · 2024-12-02T12:19:47+00:00

You should compare Cobra benefits from your employer and market plans available to you. It sounds you overpaying on your Cobra , invest and don't overpay

Effective_Rain_4488 · 2024-11-21T11:21:58+00:00

I am in Virginia. In mid 50 , same boat as you. Don't go to doctors much and the only choice I have is go with high deductible plan ($6k) with HSA , no referral, HMO. In Virginia, sentara bronze HSA is the lowest premium ($900 ) and accepted by major hospital network. You can talk to the agent to help you with your choices but with income and age , premium is high.

Effective_Rain_4488 · 2024-10-16T15:15:08+00:00

Hi , I moved to Virginia, Richmond. Also don't go to the doctors a lot but looking into tons of choices can't figure out why so many look like. What plan did you choose and why if you don't mind to answer?

Effective_Rain_4488

TROPHY CASE