Thứ Hai, 31 tháng 5, 2021

[Discussion] How much do you budget each month to spend on healthcare for the year (No HSA's involved) U.S.A.

By    09:34 // No comments

I am single. I never put money into HSA's

I know how they work. But I'd rather keep my money liquid. As a single person, I needed to.

I'm middle aged now and my health issues are surfacing.

And I need to budget $500/month for health costs. (no less)

The problem now is, that many people were out of work for a long time during Covid.

And with that lapse in health insurance it will cost more to catch up on untreated health

First the benefits may not start for 90 days, then it could take longer to get an appt (assuming a person needs to see a specialist and isnt established).

So roughly 6 months out from initial start date of a job

Thats a long time to get one's health back on track.

I wish employers could have a benefit start date on the first day on a job



https://ift.tt/eA8V8J Submitted May 31, 2021 at 08:48AM by TNTransplantFromNY https://ift.tt/2SF8wcW

Chủ Nhật, 30 tháng 5, 2021

NPR News: After 50 Years, U.S. Opens The Door To More Cannabis Crops For Scientists

By    17:36 // No comments
After 50 Years, U.S. Opens The Door To More Cannabis Crops For Scientists
Until recently, plants from only one U.S. facility were approved for use in research. Adding new suppliers will accelerate understanding of cannabis' health effects and possible therapeutic uses.

Read more on NPR

[Question - Insurance] Can I, a U.S. citizen visit Iceland to seek cancer treatments and pay out of pocket since my US health insurance won't cover me?

By    00:34 // No comments

Title says it all. This is in lieu of a friend of mine who lives in Texas and was recently diagnosed with Stage I endometrial cancer. She had to have emergency surgery on parts of her uterus/tubes due to severe pain, bleeding, and complications. This all happened about 2 weeks ago, so this is very new for her and been a rollercoaster of emotions...

Her health insurance isn't taken at MD Anderson in Houston, TX and out of pocket expenses will total around $20k+ for her. She's looked at other insurance policies but they all end up being absolute crap.

We heard about folks visiting other countries for health care purposes and so, hence this post.

If anyone knows of possible costs for seeking cancer treatment in Iceland, or any European countries for that matter, please let us know!!

I'm new to posting here so hopefully I didn't break any rules.

Big Thanks, A Texan



https://ift.tt/eA8V8J Submitted May 30, 2021 at 12:23AM by EvErYLeGaLvOtE https://ift.tt/3p0l3Up

Thứ Bảy, 29 tháng 5, 2021

[question - other] I just need an itemized invoice from Tenet’s central billing. They do not call back.

By    20:35 // No comments

I paid a large amount for a procedure on an FSA. The facility says they cannot provide the paperwork because it’s at ‘central billing’ they give me a phone number and the only option is to leave a voicemail. Nobody ever calls back. My FSA now has me locked out of the remainder of my FSA balance because I was unable to show an itemized receipt. I’m thinking Small claims court is the only course to get this back. Any advice would be greatly appreciated.



https://ift.tt/eA8V8J Submitted May 29, 2021 at 08:32PM by P0RTILLA https://ift.tt/3uzfb5o

[Question - Other]

By    16:35 // No comments

Veklury(Remdesivir)—From what I can see online a 5 day course of treatment should cost $2340-$3120 for a five day course of treatment. My bill given to myself and my insurance company lists a total of $12,795 for all 6 doses for the five day treatment. Does anyone have any insights about this?



https://ift.tt/eA8V8J Submitted May 29, 2021 at 04:31PM by Dexian_Greyson https://ift.tt/3wJDDTs

[question - other] vaccine prolonged pain (not COVID)

By    09:35 // No comments

I got 3 vaccines for college, 2 in my right and 1 in my left. The one on the left had the most pain right off the bat. The right side was a little sore the rest of the day but almost went away the next morning. After more than a day has passed, my left arm is still sore and it hurts to bring my arm over my head. Why? Is that good or bad? Pain has only gone down about 30%



https://ift.tt/eA8V8J Submitted May 29, 2021 at 09:06AM by D0227 https://ift.tt/3p0gZmY

[Question - Insurance] This dental plan seems great, what is the catch?

By    06:35 // No comments

I want to enroll in dental insurance. Most I've seen has $1,000 to $1,500 max payout per year. This plan seems to not have a maximum payout. It is centered around copayments, but they seem extremely cheap.

If I am reading this correctly, after I pay the $50 deductible (and wait for 12 months) all major dental works, like crowns and root canals, would only cost me a $222 copayment for in network or $412 for out of network? And I could get as many as I'd need? The premium is also only $12, much cheaper than most other plans.

What exactly am I missing here? Why does this seem so much better than all the other plans?



https://ift.tt/eA8V8J Submitted May 29, 2021 at 06:20AM by Asusralis https://ift.tt/3wHRqto

[Question - Insurance] Marketplace coverage for seasonal employee who's summer gig offers healthcare - is there a way out of getting screwed?

By    04:34 // No comments

So to my understanding, I lose my tax credit for marketplace coverage when i start my summer job - taking it from $100/month to >$300/month. I have to then cut my marketplace coverage and pick up a new plan through my employer. Then I'm laid off in November, lose my employer healthcare, and switch back to marketplace coverage.

Because of this, I essentially have double the deductible, out-of-pocket costs, etc as everybody else paying the same premiums for the same plans.

How can I be less fucked over?



https://ift.tt/eA8V8J Submitted May 29, 2021 at 02:42AM by stonedkayaker https://ift.tt/2SDOWxG

Thứ Sáu, 28 tháng 5, 2021

NPR News: Bipartisan Bill Would Pour Billions Into Science And Technology To Compete With China

By    03:36 // No comments
Bipartisan Bill Would Pour Billions Into Science And Technology To Compete With China
The Senate is poised to pass a major bill that would pour billions into science and technology to compete with China. It's one of the few pieces of legislation with strong bipartisan support.

Read more on NPR

[question - insurance] accidentally paid for service twice. How do I resolve?

By    03:34 // No comments

I got a claims statement from my insurance company, which showed my appointments, coverages and amount I still owed. I was able to pay the amount through the app, so I completed that.

Then a month later I got a statement from the hospital with different amounts and clustering of services, and I paid that on their site.

I’m a high risk pregnancy, so there were a lot of appointments that month, and I realized I overlapped some of these transactions, about $800.

I’ve called the insurance company, who say they already sent the money to the hospital. I’ve called the hospital, who can’t tell me they received the other payments, but that they it takes a long time to process them.

I’ve been battling this for 6 months. Is there any hope I’ll get my money back, or is it just lost in the system indefinitely?



https://ift.tt/eA8V8J Submitted May 28, 2021 at 02:53AM by DogPuddles https://ift.tt/3frY3u7

NPR News: Why A Lab In Wuhan Is Worth A Closer Look As A Possible Source Of The Pandemic

By    02:36 // No comments
Why A Lab In Wuhan Is Worth A Closer Look As A Possible Source Of The Pandemic
With the focus shifting again to a Wuhan, China, lab, Dr. Céline Gounder, a COVID-19 adviser to the Biden transition team, says it's important to find the pandemic's origins to prevent the next one.

Read more on NPR

Thứ Năm, 27 tháng 5, 2021

[Discussion] A bills cap in healthcare

By    21:34 // No comments

I'm a bit unsure if this is the right sub to post this in, but I think it fits.

In Norway we have pretty good health care and the thing I appreciate most, being young and poor, is "frikort" (free card, don't know if it has an actual english term). After you've paid a certain amount (this year it's almost $300) you get a frikort and you're excused from paying any more medical bills that year. Before 2021, there were two different frikort with separate amounts. My psychologist bills would count for card 1 and my physiotherapy bills would count for card 2. This year they've been combined, however.

A frikort covers the doctor, medicine/supplements and medical equipment under a blue prescription, a psychologist, the hospital, laboratories and x-ray places, physiotherapy, and certain dental illnesses. You might still have to pay the bills but the state will pay you back within a week.

For reference, a doctors appointment and public psychologist appointment will usually be about $50. Children under 16 don't pay anything for healthcare.

So I'm wondering, what you guys think about this system? What are the pros and, more interestingly, the cons?



https://ift.tt/eA8V8J Submitted May 27, 2021 at 08:38PM by kan4ya https://ift.tt/3wBgSRf

NPR News: 'Helgoland' Offers A New Way To Understand The World, And Our Place In It

By    17:36 // No comments
'Helgoland' Offers A New Way To Understand The World, And Our Place In It
Carlo Rovelli writes that quantum mechanics tells us reality is a net of interactions where there are no things, only relationships; nothing has properties until it interacts with something else.

Read more on NPR

NPR News: Fearing Their Kids Will Inherit Dead Coral Reefs, Scientists Are Urging Bold Action

By    16:36 // No comments
Fearing Their Kids Will Inherit Dead Coral Reefs, Scientists Are Urging Bold Action
Hotter oceans are putting coral reefs in peril worldwide. Scientists are warning that to save them, heat-trapping emissions must fall, and reefs will need more protection and restoration.

Read more on NPR

[Question - Other] Any relation between snoring and covid?

By    11:34 // No comments

Hey guys, I hope you're all well. I tested positive a month back. Completely asymptomatic. Recovered. But ever since I tested positive, I've started snoring while sleeping. This snoring problem never happened before. Is there a correlation between the two? If someone has any information on the same, please enlighten



https://ift.tt/eA8V8J Submitted May 27, 2021 at 10:48AM by adityaverma023 https://ift.tt/34jDiL1

Thứ Tư, 26 tháng 5, 2021

[Question - Other] Are there reliable resources on the number of yearly CABG procedures performed in the US (yearly)?

By    22:34 // No comments

Hi,

Hopefully this is an appropriate post. I'm wondering if there are reliable resources on the number of specific surgical procedures performed in the US yearly.

For example, number of CABG procedures, number of pulmonary thrombectomies, etc.

I'm looking for "reliable" data, so ... government databases? Or even a paid service.

Thank you.



https://ift.tt/eA8V8J Submitted May 26, 2021 at 10:21PM by 1-800-AVOGADRO https://ift.tt/3vtZMVq

NPR News: Microneedles May Alleviate Shots' Pain, Help With Global Vaccine Distribution

By    16:36 // No comments
Microneedles May Alleviate Shots' Pain, Help With Global Vaccine Distribution
Getting a shot is a pain. But scientists are working on a way to inject a vaccine without the ouch. The solution: a patch that applies an array of microscopic needles and feels like Velcro.

Read more on NPR

Appealing a health insurance claim [Question - Insurance]

By    03:34 // No comments

Does anyone have proven tactics or advice for appealing an insurance claim? I’m currently looking at a $32,000 bill from an emergency surgery I had in January to fix my shattered ankle and my United Healthcare insurance is being super shady and confusing about it.

It was out of network but I called before the surgery and got approval since I was 400 miles away from my network area (I live in San Luis Obispo, CA... was in same state though, in Davis, CA). I got a call 2 days before my surgery from the hospital saying that insurance wasn’t going to cover it. I called United again, got a different person on the phone, and explained that it was an emergency, I had already waited a week in between breaking it and my surgery date, they said since it was an emergency they would cover it as in-network. Didn’t get it in writing, just assumed they would keep their promise. I was super stressed out and in a lot of pain/on painkillers at the time.

Got the surgery, the bill was $59,000 originally but figured my insurance was going to cover most of it... then got a notice from the hospital that United had backtracked and instead of covering at in-network they had done some back-end thing to pay Medicare/Medi-Cal rates and I still owed $32,000.

I have a United Healthcare PPO, I called before my procedure, I’ve probably talked to like 10 different people from United since then and get a different answer every time. Finally got a notice that “it was processed correctly” so now I have to appeal.

Just looking for what info to include in my appeal letter... in terms of what I was told originally vs what they did, the fact that they did some kind of deal that doesn’t make any sense to me and isn’t outlined anywhere in my plan info to get to the amount they did, the fact that the $32,000 is more than I make in a year at my job, I don’t have any savings, don’t own any assets equal to that amount, just finished paying off my student loans, my credit isn’t good enough to get a new loan, etc?

Full story: I’m 29/female, and have had employer-paid healthcare with my job since I was 25, I was visiting my parents for Christmas and rolled my ankle carrying a load of laundry to my room, I had a plate and screws in my fibula from another break and surgery 8 years ago, and my fibula broke along all the screw locations, leaving my bone in 8 pieces. I also dislocated my ankle and fractured the bottom of my tibia, and all the tendons on the outside of my ankle had been completely ripped off of the bone and had to be sutured back on.

The break was really bad, basically snapped my fibula in half above the plate and there was no way of fixing it without surgery. They had to take out the old hardware and put in a new plate and screws among other things.

I’m also in the (at this point 4+ year) process of getting a diagnosis for hypermobility/joint issues, especially in my feet/ankles/knees/hips. This injury was absolutely a result of my unstable joints.

The hypermobility/possible EDS issues have been super stressful and frustrating and hard to find knowledgeable practitioners to help with. The surgeon they paired me with at Sutter Davis was amazing and knowledgeable about hypermobility and planned my surgery around that knowledge. I didn’t feel comfortable waiting longer to get the surgery and going back to SLO to possibly have someone less knowledgeable mess it up (SLO isn’t known for cutting-edge medical care).

Ultimately a lot of lessons learned but bottom line is I can’t afford what I’m being asked to pay and I’m extremely frustrated and just feel really dehumanized by my insurance company treating this like it’s not their problem. Any advice is appreciated!



https://ift.tt/eA8V8J Submitted May 26, 2021 at 02:47AM by Cattatatt https://ift.tt/3fmFDuZ

I reported my family doctor and several people lost thier jobs [other]

By    02:34 // No comments

Hello everyone, I've WAS seeing this family doctor for about a year and he was hands down the worst doctor I've ever come across in my entire life. The office staff refused to do thier job, I'd have to call 20-40 times just to get someone to answer the phone. I won't get into specific detail but long story short, he was putting every single one of his patients at risk including me. I still see a nurse practitioner at the same office who is pretty nice. Last week I got a call from the attorney generals office saying I'd get a letter to tell me what my complaint resulted in. Well today I went to see my nurse practitioner, walked up to the front window and I noticed the entire office staff was new except maybe 2-3 people and those ones looked at me with such disgust.

If you come across a corrupt doctor or anything like that, just report them to the medical board. Doctors in my area are some of the nastiest people I've come across. They think they can do whatever they want because they went to medical school and "help" people. Just Google how to report a doctor to the medical board online and it only takes 10 minutes to fill out the form. Took about a month to hear anything from the office but clearly it resulted in change and I don't remotely feel bad I had a few people get fired. If you can't do your job or show sick people compassion then you don't deserve to have it. That is all, thank you



https://ift.tt/eA8V8J Submitted May 26, 2021 at 02:31AM by Zdog54 https://ift.tt/3vkHZzS

Thứ Ba, 25 tháng 5, 2021

NPR News: President Biden Wants To Replace All Lead Pipes. Flint Has Lessons To Share

By    21:36 // No comments
President Biden Wants To Replace All Lead Pipes. Flint Has Lessons To Share
Flint has been synonymous with lead in drinking water. The city's experience replacing lead pipes shows the promise and challenges of the Biden proposal to get rid of all the country's lead pipes.

Read more on NPR

NPR News: As More Birds Fly Into Buildings, Scientists Study How To Limit Collision Deaths

By    03:36 // No comments
As More Birds Fly Into Buildings, Scientists Study How To Limit Collision Deaths
Across the United States, the number of birds killed from flying into buildings is rising. Now researchers are studying what people can do to try to limit bird deaths, particularly during migrations.

Read more on NPR

NPR News: A Researcher Is Trying To Settle The Transgender Athlete Debate — Using Science

By    03:36 // No comments
A Researcher Is Trying To Settle The Transgender Athlete Debate — Using Science
The debate on whether transgender females should be allowed to play women's sports has become increasingly politicized. One transgender athlete and researcher is forging a middle ground with science.

Read more on NPR

[Question - Insurance] Denied for Thyroiditis and Cannabis Dependency?

By    01:34 // No comments

26 y/o Male, diagnosed borderline Hashimotos (most common autoimmune disease in America) and I used medicinal cannabis for 1 year. Is this really a “pre existing condition” significant enough to deny me coverage? I feel this must be a mistake.



https://ift.tt/eA8V8J Submitted May 25, 2021 at 01:25AM by Monogonicon https://ift.tt/34glm3E

Thứ Hai, 24 tháng 5, 2021

[Question - Other] Medical application and sites?

By    20:34 // No comments

Have you ever tried any of the online platforms for medical purposes, like, Health4me? Do you think those solutions are useful and can actually help? I'll appreciate it if you share your experience.



https://ift.tt/eA8V8J Submitted May 24, 2021 at 08:19PM by AnastasiaTaran https://ift.tt/3fWnSBR

[Discussion] Healthcare choice is fine. You prepared to explain to your state’s voters why you would opt them out of universal health care?

By    03:34 // No comments
/r/SocialistMAGA/comments/njes9n/you_want_freedom_so_do_socialists_lets_both_have/

//web-assets.ifttt.com/assets/shared/ifttt-banner-e126e37f87e526a3e997ea5b069231b28846d8acdfea7d0d7580253f62cf8a96.png Submitted May 24, 2021 at 02:58AM by jamster1960 https://ift.tt/3ffXkfI

Chủ Nhật, 23 tháng 5, 2021

NPR News: Melting Snow Usually Means Water For The West. But This Year, It Might Not Be Enough

By    16:36 // No comments
Melting Snow Usually Means Water For The West. But This Year, It Might Not Be Enough
Much of the West is in extreme drought, and a good spring snowmelt could bring relief. But drought and the warming climate make that harder, putting water for millions of people at risk.

Read more on NPR

[Question - Other]

By    08:34 // No comments

Hey about a year ago i had this intense feeling in my upper back that feels like it is tearing apart after ive bended down to grab something i dropped and it hurted for about 2 weeks now i did the same yesterday picked something up i dropped and now my back hurts a lot its making me sick of the pain what is it and should i be worried?



https://ift.tt/eA8V8J Submitted May 23, 2021 at 08:13AM by softXciano https://ift.tt/3fygYSY

Thứ Bảy, 22 tháng 5, 2021

[Discussion] family members who are healthcare workers hesitant about taking COVID vaccine

By    15:34 // No comments

So I have some family members who are healthcare workers (specifically nurses) who are hesitant to take the vaccine. I understand being worried when it first came out but it’s been about a year since they were first tested, about 5 months since they were distributed to the general public, and all the research done to create the vaccines came from previous studies. Being healthcare workers they already have priority access to it but of course they refuse to take it.

I’m not sure if I came to the right group to post about this but I guess I was wondering why my family members who are healthcare workers are suspicious about this vaccine. Is their suspicions valid or are they just believing the conspiracies? Are other healthcare workers having the same suspicions too or are more workers supportive of the vaccines? Would love to get some feedback from those in the field.

(Also please note I’m not against the vaccine myself. I actually got my first dose not too long ago).



https://ift.tt/eA8V8J Submitted May 22, 2021 at 02:48PM by cherrieswatermelon https://ift.tt/3u5KjJz

[Other] Neck and Shoulder help.

By    07:34 // No comments

I’ve had a issue for years now where neck/right shoulder pops and causes mild irritation. In winter the issue can lead to strenuous coughing to the point of vomiting, but the issue rarely affected me in summer until recently. It’s now to the point of vomiting nearly once each day. The weird thing is it seems to get better after my first upchuck. Saw a doctor years ago where I had X-rays done with nothing found. The doctor put me in physical therapy which I only did for a few months due to the costs. However I do still do the stretches they gave me which no longer help. Now with the daily issues I can’t take it anymore. Would anyone have recommendations for the type of doctor who specializes in such issues? I was only seen by a general physician. I’ve had a issue for years now where neck/right shoulder pops and causes mild irritation. In winter the issue can lead to strenuous coughing to the point of vomiting, but the issue rarely affected me in summer until recently. It’s now to the point of vomiting nearly once each day. The weird thing is it seems to get better after my first upchuck. Saw a doctor years ago where I had X-rays done with nothing found. The doctor put me in physical therapy which I only did for a few months due to the costs. However I do still do the stretches they gave me which no longer help. Now with the daily issues I can’t take it anymore. Would anyone have recommendations for the type of doctor who specializes in such issues as the doctor I saw was primary care and not focused field.



https://ift.tt/eA8V8J Submitted May 22, 2021 at 06:58AM by TheDeranged0ne https://ift.tt/2QEzLDB

Thứ Sáu, 21 tháng 5, 2021

NPR News: The CDC Is Gambling On Relaxed Mask Rules To Get More People Vaccinated

By    01:36 // No comments
The CDC Is Gambling On Relaxed Mask Rules To Get More People Vaccinated
Fully vaccinated people got the green light last week to resume much of their lives without masks. Behavioral experts say that as an incentive to get more people vaccinated, it's far from a sure bet.

Read more on NPR

Thứ Năm, 20 tháng 5, 2021

Feeling dizzy and feverish but no fever? Help! I wanna get better in a week for a trip!!! [Question - other]

By    20:34 // No comments

5’4 100 lbs Non-smoker Male 14 years old

Background - I’m 6 days in recovery for a mild eating disorder in which I would only eat 700 calories a day after fasting for 22 hours. I finally am on a normal eating schedule and exercising a bit less (instead of running 32-36 miles a week I’m down to 4 a day or less)

I got the Pfizer vaccine on Saturday and had a fever that night. I get about 7 hours of sleep at night and go to school every day. I’m also vegan. I have coffee once a weeek but from Saturday-Wednesday I had coffee once a day.

I have a good appetite. My body temperature always feels off, I have a dull mild headache and I’m a little bit nauseous.

I have a trip to Hershey Park next Saturday and I really want to recover before I go because my family and I have been looking forward to if for so long.

Note: it could also be anxiety bc I get anxiety sometimes but that wouldn’t explain the feverish stuff.



https://ift.tt/eA8V8J Submitted May 20, 2021 at 08:03PM by anonymuspersonal https://ift.tt/3bDUQ8I

[Question-other]

By    07:34 // No comments

My mom has major depression and recently started ketamine therapy. I just picked her up from her second treatment and she said she pretty much just slept through the whole thing. The doc said "youre not reaching therapuetic dosage" after her session and told the nurse to hit her with 15mg before sending her home.

I thought therapuetic dosage of ketamine is supposed to NOT sedate you. So what the fuck is this doc doing giving her enough to sedate her and then just randomly hitting her with more before she goes????



https://ift.tt/eA8V8J Submitted May 20, 2021 at 07:00AM by UrMotherWasGood https://ift.tt/2RztQAj

Thứ Tư, 19 tháng 5, 2021

[Other] I’m sorry if I’m posting in wrong subreddit, if I am, please direct me to the right one. My mom says that I’ve had this for a year, it never goes alway. What is this? Please I need help so I can act immediately.

By    23:34 // No comments
https://ift.tt/3hL0PMu

https://ift.tt/2QvdJTI Submitted May 19, 2021 at 10:43PM by Beeinho https://ift.tt/3u0QDlQ

[Discussion] Medicare representatives telling me to break the law to get my prescriptions

By    22:34 // No comments

The title is the TLDR, but in short, I have medicare for my home state. I'm currently at school in another state. I need to refill my prescriptions, and this was the exchange I had with a representative.
"We can't cover your prescription because you're out-of-state. Do you have someone who lives in your state that can send it to you?"
"Isn't it illegal to send prescription drugs through the mail?"
"Yes, but it's your only option."
"What, to break the law?"
"In essence."
Look, I get that this is how the system works and that they only have certain pharmacies in-network, but the closest in-network pharmacy to me is 40 miles away! My school isn't in the middle of nowhere either, there are multiple Walgreens within 10 miles.
Thankfully my meds are $30 for a month's supply with goodrx and other discounts but it pisses me off to think of someone in my position needing insulin or some other expensive medication needing to pay out of pocket or break the law to get the meds they need.
We need a new system.



https://ift.tt/eA8V8J Submitted May 19, 2021 at 10:28PM by KalmarWingfeather https://ift.tt/3ywPCp9

[Question-insurance] Minnesota UCARE therapy

By    07:34 // No comments

Wasn’t sure where to ask for this, but I’m wondering if any of you from Minnesota with UCARE have had any luck finding relatively inexpensive therapy. Do people even get therapy covered? Even a little or just typically not at all?



https://ift.tt/eA8V8J Submitted May 19, 2021 at 06:42AM by sullysmully https://ift.tt/3yfuvY2

NPR News: Colorectal Cancer Screening Should Start At Age 45, Experts Recommend

By    03:36 // No comments
Colorectal Cancer Screening Should Start At Age 45, Experts Recommend
The U.S. Preventive Services Task Force says the age that routine screening begins for colorectal cancer should drop from 50 to 45. Colorectal is the third-leading cause of cancer deaths in the U.S.

Read more on NPR

[Question - Insurance] COBRA Subsidy: has anyone received notice that they qualified?

By    02:34 // No comments

The American Rescue Plan Act signed into law months ago says that COBRA recipients are supposed to be notified by May 31 and covered from April - September 100% subsidized. I'm with United HC and they say they're still implementing the plan and I have to pay the premium in the meantime.

Has ANYONE has been notified of subsidized coverage as of May 18?? The only reason I'm still paying $600/mo. is because I can get the next few months free, otherwise I'll downgrade to a cheaper plan.



https://ift.tt/eA8V8J Submitted May 19, 2021 at 01:54AM by 01infinite https://ift.tt/3tTIaAB

Thứ Ba, 18 tháng 5, 2021

NPR News: Author John Green Explores How To Live In Uncertainty In 'The Anthropocene Reviewed'

By    23:36 // No comments
Author John Green Explores How To Live In Uncertainty In 'The Anthropocene Reviewed'
The author of best-seller The Fault In Our Stars uses humor, wisdom and a keen sense of connections to offer guidance — as he reviews how humans are reshaping Earth.

Read more on NPR

Thứ Hai, 17 tháng 5, 2021

NPR News: Scientists Say It's Time For America To End Fixation On Herd Immunity

By    18:36 // No comments
Scientists Say It's Time For America To End Fixation On Herd Immunity
The idea of herd immunity has been sold to the public as the way out of the pandemic. Some medical experts say the idea is probably not that useful in terms of understanding how the pandemic ends.

Read more on NPR

What is the income cut off for receiving advanced tax credits for insurance premiums in 2021? in 2020 it was 4x the poverty rate of $12,490 or $49,960 was the cutoff for the 48 states. What is it for 2021? It's crazy that it isn’t clearly posted somewhere. [Question - Insurance]..

By    03:34 // No comments
No text found

https://ift.tt/eA8V8J Submitted May 17, 2021 at 02:42AM by tossmyrock https://ift.tt/3ydEm0t

Chủ Nhật, 16 tháng 5, 2021

[Question - Other] I Need Help Understanding A Portion of The HMO Act of 1973

By    07:34 // No comments

According to the textbook (Law, Liability, and Ethics for Medical Office Professionals By Myrtle R. Flight, Wendy Mia Pardew)

“HMOs are regulated under The HMO Act of 1973 (42 United States Code Section 300c-300e-17 [1976 and Supp. III 1979]). Under this act, member physicians must agree to give at least one-third of their time to HMO subscribers.”

The textbook does not elaborate on what this means and I have tried looking up section myself without much success.



https://ift.tt/eA8V8J Submitted May 16, 2021 at 07:04AM by FreshCookiesInSpace https://ift.tt/3ooXi7Z

[other] Is medicaid bad?

By    05:34 // No comments

I'm unemployed, and due to my previous self-employed consultant status, was ineligible for unemployment benefits.

I've been paying thousands per year for the last 10 years in premiums and deductibles. I recently learned about medicaid and it's free if your income is below the poverty line (mine is).

Furthermore, I have been racking up medical bills this year. Is it true that medicaid pays your last 90 days of medical bills? Is the coverage comparable to what I have currently with United Healthcare? Does it cover normal doctors and MRIs and that kind of thing?

I've heard some horrible things on reddit.

Do doctors take medicaid? I mean like every doctor, is the coverage similar to what you have with usual insurance?



https://ift.tt/eA8V8J Submitted May 16, 2021 at 05:22AM by howevertheory98968 https://ift.tt/2QmbaTX

[Question - Insurance]

By    04:34 // No comments

The minimum required income to get ACA subsidy is $12,800.

I'm on unemployment.

If I cant get work in 2021, my income will be less than $12,800.

If I enroll in ACA, I will owe $714 of the monthly premium amount in 2022 because I did not qualify for that subsidy.

Correct?

I need SPECIALTY healthcare

None of the SPECIALTY doctors (gynecologists) will schedule in advance an appointment to see me UNTIL I show proof of insurance, up front.

The risk

I sign up for ACA, and am told that a specialty doc cant see me for 3 months.

Then we run into 2022 because I need a hysterectomy.

I end up owing the $714/mo premium because I didnt qualify for the subsidy

And all I got was maybe a one time consultation in 2021

ACA isnt affordable. Its restricted to income and if the income isnt sufficient, I will pay the full amt.

I cant get hired anywhere. A discussion about employment isnt the focus of this post.



https://ift.tt/eA8V8J Submitted May 16, 2021 at 03:47AM by Madeline2853 https://ift.tt/3uSxXpp

[Question - other] is it possible to get care? U.S.A.

By    00:34 // No comments

I need to see a gynecologist

Not obstetrics, but for middle age gynecological issues.

Planned parenthood is not an option. Walk in clinics are not an option.

I have a pending lawsuit for an employment law matter. I filed it pro se.

As a result, no gynecologist will see me.

As an uninsured patient I went to the ER about my medical issue and was told I need a hysterectomy due to multiple fibroids. Laproscopy isnt an option, birth control isnt an option. The only option is abdominal surgery.

But no specialty gynecologist will see me. They keep cancelling their appointments, stringing me along.

A paralegal told me its because I have a pending lawsuit.

I got a letter in the mail today from that gynecologist stating, "Dr so and so will no longer be your doctor, because she cant maintain an effective physician/patient relationship and cant provide optimum care."

The gynecologist office said last year that they would offer charity care for me to have the procedure. And then this year, withdrew that option

This State wants people in poverty (not working) and on Govt programs.

I need to work, and I need work that covers housing, car and healthcare.

So therefore, no gynecologist will perform a hysterectomy or even do a biopsy first to rule out cancer.

Uterine cancer runs in my family.

The hospital financial advisors wont speak with me. Their insurance dept wont speak with me.

I had questions about if I enrolled in ACA, how soon would I be able to see a doctor. And no one could answer that.

ACA isnt free. I want to know if I would be denied gynecological after enrolling in ACA too.

But no one will speak with me.

I googled this hospital'a health system and they have many lawsuits from patients and internal employees.

There is a shortage of hospitals in TN. And the other hospitals will not see a patient unless they have actul insurance, but before I sign up for ACA, they wont give me an idea of how long it would take for me to see a doctor.

I am preparing my Will and burial plans just in case. If I cant get healthcare, then I should prepare for end of life costs.



https://ift.tt/eA8V8J Submitted May 16, 2021 at 12:17AM by Madeline2853 https://ift.tt/3yflk9V

Thứ Bảy, 15 tháng 5, 2021

[question - other] i received a Health Care rewards card in mail for Food, How to use!?!

By    07:34 // No comments

Does anyone else get that health care rewards card in the mail that lets you buy food at walmart? But each time i swipe, it declines (even when balance is 30$) does anyone know how to use it at the cashier? (My health care is 'washington coordinated care').



https://ift.tt/eA8V8J Submitted May 15, 2021 at 07:34AM by THCbussy https://ift.tt/3hp0kaP

NPR News: What To Make Of The Yankees Outbreak? Scientists Say: Don't Panic, We Expected This

By    02:36 // No comments
What To Make Of The Yankees Outbreak? Scientists Say: Don't Panic, We Expected This
The New York Yankees have reported eight "breakthrough" cases among vaccinated staff and a player. Scientists say the outbreak is in line with what's already known about the Johnson & Johnson vaccine.

Read more on NPR

[Question - Other] Why do providers bill at such a high rate? My example seems insane!

By    02:35 // No comments

We just got the EOB for cataract surgery in one eye. The replacement lens was a basic single vision replacement so basically the "standard" option and the procedure went well with no complications nor other issues.. The patient is on a Medicare Advantage program through their Government Retiree/pension plan. The surgery was performed in a hospital outpatient clinic by a Ophthalmologist that has their own practice. All were in-network for the Medicare Advantage plan.

The total gross billings including hospital and physicians was $32,000! The amount approved by the insurer was roughly $3,200 (but not exactly 10%) with the patient's portion being the plan's standard 20% co-pay of roughly $640.

I've seen large insurance discounts before but never anything that reduces to by 90% for such a large billing. With the possible exception of some medical tests originally billed at several hundred dollars.

So my question is why to providers bill such high amounts when they know they'll be reduced so dramatically. Especially in this case where $32,000 for basic cataract surgery is outrageous. A quick google search shows the average cost is $3,500. Since $3,500 is average, I can't see any individual nor insurance paying anything remotely close to the $32,000 gross billing.



https://ift.tt/eA8V8J Submitted May 15, 2021 at 02:29AM by Cuiser001 https://ift.tt/2RnfYsF

[Other] I developed a mental health related app to overcome anxiety and depression!

By    00:34 // No comments

So basically last year I was feeling a bit low. I really didn’t know how to become better since I had never faced this before. I used to not get proper sleep and woke up after having dreams due to my anxiety. So I just started noting what activities I did and whom I did it with in a google doc. Slowly I also started rating how I felt about the interaction. Soon I started to notice a pattern that I felt better when I hung out with some people and when I did certain activities. This way I was able to feel much better than before and I gained confidence that I can control my own mental health. I stopped dreaming as frequently since then. I even built an app for this so that other people can do the same .

The app is called Happyer which was made based on the above experience and provides insights into impact of a given activity or friend.

https://play.google.com/store/apps/details?id=com.happyer4life for android https://apps.apple.com/ca/app/happyer/id1537711110 for iOS.

I have created a subreddit https://www.reddit.com/r/Happyer/ to help easily address issues/bugs & to allow users to share their happy experiences :)

Also here is our website https://happyer4life.com if you would like to provide feedback, donate(to handle maintenance costs) or just know more about the app!



https://ift.tt/eA8V8J Submitted May 15, 2021 at 12:09AM by Dragonair_fruit1371 https://ift.tt/3brMmBl

Thứ Sáu, 14 tháng 5, 2021

[Question - Insurance] Changing jobs, new insurance, wife needs transfusion.

By    09:34 // No comments

I’m starting a new job on Monday. Current insurance will last through the end of the month and new insurance will kick in June 1st. My wife has a transfusion to keep her psoriasis under control June 2 otherwise things will get very bad. In the past it has taken upwards of 30 days to get things “approved” for the medication. We’ve asked to move the transfusion date up into May and was told no.

What are the best options to make sure that we don’t miss that June 2 transfusion? Can I start the “approval” process with the new insurance early and hope for the best? Should I pay for a month of COBRA with the old insurance? Would that conflict with my new company insurance? Maybe I can do COBRA and push back my new company insurance for a month?



https://ift.tt/eA8V8J Submitted May 14, 2021 at 09:04AM by squeeemeister https://ift.tt/3of4y6e
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