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How to Get Health Insurance | Sapling

Details: Health insurance can be expensive, but with a little research, you can find coverage that fits your budget. While you may not need life insurance, and you might be willing to risk not having earthquake insurance, don't gamble with health insurance. Just a couple of days in the hospital can drain almost anyone's savings.

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Can I Use My HSA Money to Pay for My Health Insurance

Details: A health savings account, or HSA, lets you put aside money for medical expenses while taking a tax deduction for the contributions you make to the account. While you can use HSA money to pay for a variety of medical and dental services and procedures, you generally can't use it to pay premiums for health insurance. There are some exceptions, however.

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Health Insurance Under Parents | Sapling

Details: The Affordable Care Act, passed in 2010, allows children coverage under their parent's health insurance plan until they turn 26 years old. Children and young adults can join a parent's plan up to age 26, regardless of their marriage, living, school or financial status.

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What is Subsidized Health Insurance? | Sapling

Details: Subsidized health insurance is an insurance plan with reduced premiums. The premiums are reduced because of the involvement of an outside entity that is paying, or subsidizing, the premium payment. There are many sources for subsidized health insurance.

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Are Health Insurance Deductions From Payroll Pre-Tax or

Details: An employer health plan provides medical insurance to employees, and often their dependents and spouses as well. Depending on the employer, the plan may include dental coverage. Health insurance deductions can either taken be pre-tax or post-tax. The employer makes the payroll deduction according to the deduction category. Pre-tax vs. Post-tax A pre-tax health insurance plan is one that meets

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The Disadvantages of HSA | Sapling

Details: Health Savings Accounts (HSAs) are designed to help minimize health care costs. They are savings accounts, occasionally funded by an employer, that are used in tandem with high-deductible (and hence cheap) health insurance plans. The concept is that a healthy person can contribute regularly to the account while maintaining cheap health insurance.

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Cashing Out an HSA | Sapling

Details: A health savings account, or HSA, is one way to make health care services more affordable. The money invested in a health savings account is deductible for tax purposes, and that money may accumulate tax free. As a result, the government and the IRS require that the funds in the HSA be used for legitimate medical expenses, such as buying

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What Qualifies as Income When Applying for MassHealth

Details: MassHealth is the name for the Massachusetts Medicaid program that offers free or low-cost healthcare or health insurance to low and moderate-income households within the state. Eligibility for MassHealth is based on household size and income.

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Are Retirees Eligible for COBRA? | Sapling

Details: COBRA -- the Consolidated Omnibus Budget Reconciliation Act -- requires most employers with group health insurance to make continuing coverage available to former employees who meet certain requirements. To be eligible for COBRA, you must have coverage under an employer's plan before leaving, and you must leave because of a qualifying event.

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Can a Food Stamp Office Look at My Checking Account? | Sapling

Details: North Carolina Department of Health and Human Services: Special Assistance SA-3200 Resources U.S. Department of Agriculture Food and Nutriiton Service: Supplemental Nutrition Assistance Program Federal Insurance Deposit Corporation: Financial Institutions Regulatory and Interest Rate Control Act of 1978

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Can I Remain on My Parents' Insurance If My Work Offers

Details: The day you turn that age, you lose coverage. However, the loss of health insurance coverage qualifies as a life event, meaning you'll have 30 days to enroll in your employer's health care plan even if it's not open enrollment season. You also qualify for a Special Enrollment Period to purchase insurance through the Health Insurance Marketplace.

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How Does a Health Reimbursement Account Work? | Sapling

Details: HRAs are health benefit plans funded exclusively by employers. The Internal Revenue Service does not set minimum or maximum contribution limits, meaning employers have a lot of flexibility in funding health reimbursement accounts. You can have other types of health care coverage as well.

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What Is an Experience Rating in Health Insurance? | Sapling

Details: Health insurance providers use a rating system to calculate the prices they'll charge for their insurance. Ratings systems such as "experience rating," "community rating" and "adjusted community rating" use different statistical sets to estimate how much a given individual or group will pay for health care, and therefore how much the health insurance provider is likely to have to pay out.

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How Long Will My Health Insurance Cover Me If I Was Fired

Details: Lastly, continuation of health insurance is often available to employees upon termination, usually at an additional cost, per COBRA guidelines. Termination Date Depending on the policy and premium payment arrangement between your company and the health plan, if fired, your active health insurance will end either the day of your termination or

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Medical Help for Low Income Adults With No Insurance in

Details: Many programs exist for residents in Texas that have low-incomes and cannot afford health insurance coverage. When you meet certain income requirements in the state of Texas, programs such as CHIP, Medicaid, the Health Insurance Premium Payment Program and the Women's Health Program may be available.

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Do I Have to Accept Employer Offered Health Insurance

Details: Opting out of health insurance entirely is even more costly. In addition to taking the chance that one illness or injury could be financially devastating, the 2010 Patient Protection and Affordable Care Act includes an individual mandate. If you turn down or opt out of group insurance, you must purchase individual insurance or pay a penalty fee

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A List of Food & Nutrition Careers | Sapling

Details: Health-care nutritionists work in hospitals, nursing homes and other health-care facilities. They oversee patient menus and nutritional requirements, working with doctors and other health-care providers to ensure that patients are receiving diets appropriate for their medical conditions.

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What Are the Benefits of Having Health Insurance? | Sapling

Details: Health insurance does more than offer financial benefits to some of life's most serious physical conditions. It also offers peace of mind. While not all people choose to carry health insurance, those who do are better able to find the type of treatment they need when a serious condition strikes.

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How Does Having Two Dental Insurances Work? | Sapling

Details: When you have two dental insurance plans, both insurers work together to determine your coverage and who pays for what. The formal process of sorting out your double coverage is called coordination of benefits. Both dental plans will determine who the primary carrier is and who the secondary carrier is.

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How to Write a Letter to Appeal a UnitedHealthcare Denial

Details: UnitedHealthcare has specific procedures for filing a claim appeal. In situations where the denial stems from inadequate or incorrect information on the initial claim, it might be possible to resolve the issue by filing an online or paper Claim Reconsideration Form in which your health care provider corrects errors or supplies the required documentation.

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Definition of Dependent for Health Insurance | Sapling

Details: The peace of mind that health insurance can provide is a wonderful thing, and like any other wonderful thing, it's only natural to want to share it with the people you love. Unfortunately, it's not as simple as sharing your Netflix account with your friends and family. Whether you have individual coverage through the Affordable Care Act, or group coverage through an employer or other

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How to Add a Member to Blue Cross Health Insurance | Sapling

Details: Blue Cross is one of the leading health insurance companies in the United States. Most companies offer health insurance as a benefit to their employees. This benefit can also be extended to the employee's family members. If you are a Blue Cross member, you can add family members to your health insurance policy.

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How to Pay Medical Expenses With a 401k | Sapling

Details: The funds in your 401(k) account are set aside for retirement, but you might be able to use them to pay medical bills in cases of hardship. The withdrawal method determines how much you pay in early withdrawal penalties and taxes and your loss in investment earnings.

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Architect Benefits | Sapling

Details: Health Benefits According to a 2007 salary survey conducted by Architect Magazine, most employer respondents pay 100 percent of their employees' health insurance premiums. Firms that did not cover all of the costs typically covered 75 percent to 80 percent of health care costs for employees.

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What Code Should an Employee's HSA Be on a W-2? | Sapling

Details: A health savings account is only available if you're covered by a high-deductible health insurance plan, but if you're allowed to contribute, you can save substantially on your taxes because of the tax benefits for contributing.

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What Pretax Deductions Lower FICA? | Sapling

Details: Payments toward health savings accounts and group-term life insurance of $50,000 or less, plus qualified transportation expenses and disability insurance, are exempt from FICA. Pretax Versus After-Tax Deductions

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How to Remove My Spouse Off My Health Insurance | Sapling

Details: Removing your spouse from your health insurance plan depends on the type of plan, the open enrollment period and the reason for removal. Month-to-month individual family plans will allow for removal of dependents, including your spouse, at any time. However, if your insurance is through your employer, you can remove your spouse only during the annual open enrollment period, except in the case

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How to Add a Stepchild to a Health Insurance Plan | Sapling

Details: The rules are different if you purchase a health insurance policy through the Health Insurance Marketplace.According to the rules outlined in the Affordable Care Act, if you don't include the child on your tax return as a dependent you can't add the child to your health insurance.

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How to Stop Medicare When Deceased | Sapling

Details: In the event of death, a person's Medicare coverage should be canceled. Although family members may be eligible for a one-time payment when a Social Security recipient dies, there are no additional benefits through Medicare. A spouse, relative, friend or volunteer can report the death to Medicare.

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What Is a Health Insurance Premium? | Sapling

Details: Health insurance premiums often are paid on a monthly basis.However, some insurance companies offer discounts if you make more payments in advance, such as quarterly, annually or semi-annually.

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How to Cancel Medicaid Coverage | Sapling

Details: Medicaid provides health-care coverage for low-income people, as well as children and the disabled, blind and aged. Currently, 32 states and the District of Columbia automatically provide Medicaid coverage to those on Supplemental Security Income (SSI). Other states require the filing of a separate Medicaid application for SSI recipients, while some states have eligibility rules differing from

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Can I Add My Wife to My Health Insurance After She Becomes

Details: The Affordable Care Act of 2010 plans changes to the law on health insurance and pregnancy. Beginning in 2014, neither group nor individual plans will be able to deny coverage for pregnancy or any other pre-existing condition.

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What if You Don't Meet Your Yearly Deductible in Medical

Details: Many health plans don't pay benefits until your medical bills reach a specified amount, called a deductible. This could be $1,000, $2,000 or even more, depending on the type of plan you choose. If you don't meet the minimum, your insurance won't pay toward expenses subject to the deductible.

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How to Pay for Braces With a Health Savings Account | Sapling

Details: A health savings account is the perfect tool to help budget for orthodontia. It works like an IRA where contributions can be withheld directly from a paycheck, and all contributions help to reduce an earner's overall tax liability. Step 1 Call or go online to request a health savings account application.

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Marriage & VA Benefits | Sapling

Details: The VA Civilian Health and Medical Program (CHAMPVA) allows the dependents of veterans to receive medical care. The amount of health care the veteran's family can receive depends on the family's finances and qualifications. Some veterans' families may receive all their health care for free, whereas others might have to make a co-payment to

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The Difference Between MassHealth & Commonwealth Care

Details: According to Massachusetts law, all residents must have health insurance coverage or be subject to fines. As of 2010, 98 percent of residents have some sort of health-care coverage Many residents receive help purchasing insurance from either MassHealth or Commonwealth Care, government-funded programs designed to assist low- and middle-incomes residents get the health care they need.

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Are Employee Contributions to an HSA Subject to FICA

Details: Health savings accounts offer substantial tax benefits for putting aside money for future health expenses. You can contribute to an HSA in two ways: either through your payroll deductions or by depositing money directly into your HSA. The tax implication of your contributions depends on the method you choose.

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Benefits in the U.S. for Those Over 60 | Sapling

Details: Medicare covers most medical expenses and eliminates the high monthly premiums of private insurance coverage. Recipients may purchase supplemental health insurance called Medigap from a major provider or the federal government to cover the difference between what Medicare covers and what medical care actually costs.

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What Is a Spouse Surcharge in Insurance? | Sapling

Details: An employer that sponsors an affordable health insurance plan for its workers assumes a significant portion of the costs. Covering employee spouses adds to those costs if those premiums are subsidized as well. As a result, you might be required to pay a spouse surcharge to cover your working spouse under your employer-sponsored health insurance

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Can an Insurance Company Drop You at Any Time? | Sapling

Details: An insurance company has certain cancellation rights, as do the insured persons. However, specific rules apply in each state as to how an insurer can drop someone from coverage -- whether it is canceling a policy before its term ends or earmarking the policy for non-renewal.

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What Is Indemnity Health Insurance? | Sapling

Details: Indemnity health insurance, or fee for service plan, is a traditional health plan. There are many benefits to purchasing a plan that offers the flexibility that many managed care plans don't. However if you are looking for a more cost-effective way of receiving care while diminishing your options, indemnity insurance might not be the right fit

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POS vs. HMO for Health Insurance | Sapling

Details: Point-of-service and health maintenance organization are two of the prominent group health insurance plans. POS and HMO plans share some qualities, but a broader provider reach is a relative benefit of POS insurance.

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Do You Have to Be a Full-Time Student to Stay on Your

Details: The Affordable Care Act, also known as Obamacare, made it possible to stay on your parents' health insurance policy until the age of 26 regardless of your school or work status. Young adults offered insurance through a job can even opt to stay on their parents' plan, according to a report from NPR.

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What Qualifies As Disposable Income When it Comes to Wage

Details: The amount of money a creditor may legally garnish from your income is a percentage of your disposable earnings. Note that disposable income is not the same as your net pay. Voluntary deductions such as health insurance and company retirement plan contributions are considered part of your disposable earnings.

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What Does "Deductible Waived" Mean? | Sapling

Details: A health insurance deductible is the cash amount you have to pay before the insurer starts contributing. It's an annual amount that re-sets each calendar year. Choosing a plan with a high deductible — for example $10,000 — should result in a lower premium compared to a plan with a low deductible amount.

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When Do I List My Spouse As a Dependent on Insurance

Details: Health insurance is designed to cover medical expenses for the policyholder. While health policies are limited by decisions made by insurance companies, they can help cover people beyond the policyholder, as long as they are closely connected. This makes it easier for policyholders to save money by purchasing one policy while covering the medical expenses of an entire family.

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Rules for a Health Savings Account | Sapling

Details: A health savings account (HSA) is a savings vehicle where people can put their money for health care purposes. Owners of HSA can make tax free contributions and withdrawals to pay medical bills. The Internal Revenue Service (IRS) enforces specific rules and penalties regarding contributions, withdrawals and transfers involving HSAs.

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Tips on Money Management for a Mental Health Person | Sapling

Details: A person with mental health issues has a myriad of concerns to deal with, and money management skills may fall by the wayside. According to the New England Mental Illness Research, Education and Clinical Centers (MIRECC), as cited by the Veterans Administration, over one in ten patients has difficulties managing funds.

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What Is First Dollar Coverage in Health Insurance? | Sapling

Details: First dollar coverage in health insurance means that your insurance covers health care expenses without copayments or deductibles having to be paid first. It pays expenses beginning with the first dollar charged for health care or hospitalization depending on the type of policy purchased.

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