Medicare Part D | |
| • How can I get extra help with my medication costs? |
| • What happens after the $3600 out of pocket has been met? |
| • Is it compusolary that I join plan D? Why do I have to join plan D? What happens if I do not want to join the plan D? |
| • How can I contact First Health Premier |
| • Is anybody doing something about coverage for Niaspan? |
| • What is Cost Sharing in Medicare Part D? |
| • What is the Deductible in the Medicare Part D Plans? |
| • What is a Demonstration/Pilot Program in Medicare Part D? |
| • What is an Employer or Union Retiree Plan as defined in Medicare Part D? |
| • What is a Formulary in the Medicare Part D Plans? |
| • What is Gap Coverage according to the Medicare Part D Plans? |
| • What is a Generic Drug? |
| • If I Qualify for Extra Help, will My Full Premium be Covered? |
| • What is Medicaid? |
| • What is a Medicare Advantage Plan in Medicare Part D? |
| • What is a Medicare Cost Plan in Medicare Part D? |
| • What is a Medicare Health Plan? |
| • What is a Medicare Medical Savings Account(MSA)Plan? |
| • What is a Medicare Prescription Drug Plan? |
| • What is a Medicare Savings Program? |
| • What is a Medicare Special Needs Plan? |
| • What is a Non-preferred pharmacy in Medicare Part D? |
| • What is an Original Medicare Plan? |
| • What are PACE (Programs of All-inclusive Care for the Elderly) Programs? |
| • What is Part A (Hospital Insurance)? |
| • What is Part B (Medical Insurance)? |
| • What is a Plan Name in Medicare Part D? |
• What is a Preferred Pharmacy in Medicare Part D?
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| • What is a Preferred Provider Organization in Medicare Part D? |
| • What is a Prior Authorization in Medicare Part D? |
| • What is a Private Fee-for-Service Plan in Medicare Part D? |
| • What is a Qualified Medicare Beneficiary (QMB) in Medicare Part D? |
| • What is a Quantity Limitation in Medicare Part D? |
| • What is a Specified Low - Income Medicare Beneficiary (SLMB)? |
| • What is Step Therapy in Medicare Part D? |
| • What are Tiers in Medicare Part D? |
| • I'm on Medicare, can I have an HSA? |
Medicare Part D - 1 Pre-Enrollment Topics | |
| • I am trying to select a new Medicare Part D Plan and I need help! How do you choose a Medicare Part D plan? |
• Do most of the major providers have plans for individuals that also are low income and have a secondary medical plan of medicaid?
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• I have chosen a plan, but I am waiting on info package. However, I need to find out what medications are on Tier One or Two would match one I'm on in Tier three. My doctor is willing to work with me, but neither of us know where to look.
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• I am comparing plans for WA state. What is the email address or site for Humana Inc.?
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| • It is my understanding that I need to give you the names of the drugs my husband and I take to find out if you would provide us with the insurance we need. Is this so, or do I need to wait until I receive your application and return that and wait to see if we are approved. |
• What will my drugs cost in the donut hole? Negotiated price of insurer or retail price? How can I find out my cost of drugs in the donut hole?
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• I am covered under Humana Gold Choice for my part D prescription coverage. I would like to know what exact coverage I have.
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| • I plan to enroll in a Part D program sometime in May to avoid the higher premium. My question is will there be any additional cost if I just add the Plan D to my existing plan |
| • I have a friend that applied for extra help and recieved her letter that she qualified. She also appied for a Unicare premier part D plan. Now the pharmacy says she has to pay $10 and $30 copay. Unicare is telling her that because she qualifies for extra help that she has to apply for a value plan. Is this true? What should she do now? |
| • I AM ON DISB, AND SSI SO WHY IS IT THAT IT IS ALL DIFF NOW TELL ME HOW I CAN GET ALL THE SAME STUFF I HAD BEFORE AND NOT ALL THIS RUNNING AROUND SHIT |
| • I live in New Jersey during the summer and in Florida in the winter. Do I need to purchase two plans? |
| • How does this work. I see now that I have to choose a plan. Does SS take money out of my account for this ? What is the cost of the plans? Are you charged whether you use it or not. I called mecicare 3 times and in the middle of everything it just hung up on me. |
• My garandmother is on a fixed income, $700.00 to be exact! and thats a month, all together for the year she spends $200 annually for her perscription drugs! Now shes going to be spending that a month from what we see and she wont make it!! Unless you could help us with finding the right company! she cannot afford that much! let me list what she takes,,, actonel, lorel, zocor, diavan! HELP!!!!!!! Thank you!
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• I would like to know if a list exists which shows company, pdp plan name, bin, PCN, Group #, phone on it?
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• I need to be enrolled into a rx plan. I am disabled and have Hospital part A and Medical part B. Does Highmark Security( medco )blue have a rx plan for me
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| • Please clearly explain the cost of the prescripts they will use for the out of pocket expense. If the plan they choose has a co-pay or deductable that cost to the individual will be what they use for the out of pocket expense correct? I have an indivual confused thinking that what the origainal cost of the drug is, is what they consider the cost, which is going to put the indivual in the gap period quickly depending on prescripts. |
| • Can I have a medicare supplement plus medicare prt d and what would the premium cost. |
| • What are the Humana co-pays for meds? Is there a way to get a 90 day supply? |
| • What is Co-Payment or Co-Pay? |
| • What is Co-Insurance? |
| • I turn 65 on Sept 2006 and will not have Medicare until that month. So when do I register for Part D. |
| • Where can I find the formulary for the Coventry AdvantraRX plans? |
| • Where can I download a copy of the Humana Formulary |
| • I am on Medicare part A and B. My wife works and we have prescription drug insurance through her present employer. What do I have to do? Will I be able to get on Medicare Part D if she retires in a few years or looses her job? |
| • I presently receive my prescriptions from the Veterans Administration (VA) - how does the prescription drug coverage from the VA work with the Medicare Part D plans? |
| • I presently receive my prescriptions from the Veterans Administration (VA) - how does the prescription drug coverage from the VA work with the Medicare Part D plans? |
| • What is the contact information for the YOURx Medicare Part D plans? |
| • What is the contact information for the SierraRx Prescription Drug Plans. |
| • What is the contact information for the Advantage Star Plan - Medicare Part D Prescription Drug Plan? |
| • How do I contact AmeriHealth Advantage Medicare Part D Prescription Drug Plans? |
| • What actually is the Annual Deductible? |
| • What is the Approval Status of a Presciption Drug Plan? |
| • What is the meaning behind Cobrands or Cobranding Medicare Part D Plans? |
• What is Coinsurance for the Medicare Part D Plans?
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| • What is a Copayment in the Medicare Part D Plans? |
| • Is it true that the 2007 WellCare Signature plan has a $0 deductible and a $0 generic drug co-pay? |
| • Which drugs will UnitedHealth Rx cover in 2007? |
Medicare Part D - 2 Enrollment | |
| • How do I enroll in a Medicare Part D plan? |
| • How do I contact WellCare about my Medicare Part D enrollment? |
| • I receive Medicaid, which payment option do I select on my enrollment form? |
| • I live in Alabama, do you offer 2007 Medicare Part D plans for me? |
| • I live in Alaska, do you offer 2007 Medicare Part D plans for me? |
| • Do you offer Medicare Part D plans in Arizona? |
| • Do you offer Medicare Part D plans in Arkansas? |
| • Do you offer Medicare Part D plans in California? |
| • Do you offer Medicare Part D plans in Colorado? |
| • Do you offer Medicare Part D plans in Delaware? |
| • Do you offer Medicare Part D plans in Florida? |
| • Do you offer Medicare Part D plans for Georgia? |
| • Do you offer Medicare Part D plans for Hawaii? |
| • Do you offer Medicare Part D plans for Illinois? |
| • Do you offer Medicare Part D plans for Indiana? |
| • Do you offer Medicare Part D plans for Iowa? |
| • Do you offer Medicare Part D plans for Kansas? |
| • Do you offer Medicare Part D plans for Kentucky? |
| • Do you offer Medicare Part D plans for Louisiana? |
| • Do you offer Medicare Part D plans for Maine? |
| • Do you offer Medicare Part D plans for Maryland? |
| • Do you offer Medicare Part D plans for Michigan? |
| • Do you offer Medicare Part D plans for Minnesota? |
| • Do you offer Medicare Part D plans for Missouri? |
| • Do you offer Medicare Part D plans for Nebraska? |
| • Do you offer Medicare Part D plans for Nevada? |
| • Do you offer Medicare Part D plans for New Mexico? |
| • Do you offer Medicare Part D plans for New York? |
| • Do you offer Medicare Part D plans for Ohio? |
| • Do you offer Medicare Part D plans for Oklahoma? |
| • Do you offer Medicare Part D plans for Oregon? |
| • Do you offer Medicare Part D plans for Utah? |
| • Do you offer Medicare Part D plans for Tennessee? |
| • Do you offer Medicare Part D plans for Vermont? |
| • Do you offer Medicare Part D plans for Virginia? |
| • Do you offer Medicare Part D plans for Wisconsin? |
| • Do you offer Medicare Part D plans for Wyoming? |
| • Do you offer Medicare Part D plans for Massachusetts? |
| • Do you offer Medicare Part D plans for Connecticut? |
| • Do you offer Medicare Part D plans for Montana? |
| • Do you offer Medicare Part D plans for Idaho? |
| • Do you offer Medicare Part D plans for Mississippi? |
| • Do you offer Medicare Part D plans for New Jersey? |
| • Do you offer Medicare Part D plans for North Carolina? |
| • Do you offer Medicare Part D plans for South Carolina? |
| • Do you offer Medicare Part D plans for North Dakota? |
| • Do you offer Medicare Part D plans for South Dakota? |
| • Do you offer Medicare Part D plans for Pennsylvania? |
| • Do you offer Medicare Part D plans for Rhode Island? |
| • Do you offer Medicare Part D plans for Texas? |
| • Do you offer Medicare Part D plans for Washington? |
| • Do you offer Medicare Part D plans for Washington, DC? |
| • Do you offer Medicare Part D plans for West Virginia? |
Medicare Part D - 4 Switching Medicare Part D Plans | |
• How can I change the plan I have selected? What is the procedure???
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| • I have signed up and been accepted in a plan. Since then I have found another plan that is a lot cheaper can I drop the plan I have have signed up with? |
| • i disenrolled from my Humana Medicare Part D Olan in error by phone a couple days ago and i wish to stay enrolled in my plan. |
| • How do I cancell (dis-enroll) from my plan? |
| • How do I know if I have enrolled in the most cost-effective plan? |
Medicare Part D - 3 After-Enrollment (Living with your Part D Plan) | |
• How do I find out if my Humana Medicare Part D plan is active?
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| • I was entered into the wrong plan! I was about to use my Humana card and was told that it has the wrong code for my County. My number is CMS S5884 016. My wife's Plan number is the same except hers ends with 010. |
| • A recorded msg said plan d payment book would be here mid-jan but nothing has arrived. what is monthly/annual payment? where do i send it? help pls. |
| • Please advise what pharmacies Humana honors. |
| • I am a new blue medicare Rx Value menber under your new plan for prescription drug plan. how much do i have to pay out of my pocket & were do i go fo my prescription to be fill. |
• Can you inform me of any type of mail order program for medications for which a three months supply can be ordered in order to save money? If so please email me along with the instructions and list of medications available to this program. Thank you
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| • I need the Humana form to order prescriptions by mail. |
• where do I get a list of the number of pills I can get at one time under the Humana plans
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| • I received my ID membership. My membership was to become effective on June 1, 06 not 01/01/06 My Agent doesn't understand it either. Secondly, He also mentioned that HUMANA does not have Copayment authority here in Rhode Island. My monthly premium should be around $7.00 in change. |
| • I received my card and my last name is mis-spelled. My pharmacy won't fill my prescription because my name is spelled wrong. |
| • I'm a home health nurse evaluator for home health agency and would like to know if medicare part D will begin to cover home Iv infusion therapy or will it vary from plan to plan? Please advise. |
• I need to know exactly what you need from the doctor for me to get my Forteo prescription filled.
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• I accidently shredded my new card with some other stuff. I need a replacement card. I do not know the number cause it was not listed anywhere else that I know of. HELP
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• I enrolled in the new Medicare Drug Plan on 12-19-05. I have not received and insurance card or a letter with a pin number. i have a confrimation number from RX Rewards. How can I get a card or a letter. I have tried to call 1-800-928-6201 and can never get thru can you help?
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| • i enrolled on the internet in the medicare part d, Advantage Freedom Plan. they did not send me a letter acknowledging me as being enrolled. i need their phone # and i can't find the information or the web page. i need an answer back right away thank you |
| • How can I check my enrollment status under the Humana plans? |
| • How can I file a claim under the Humana Plans? |
| • where can I find what my co-pay is on the Humana plans in Arizona. |
• I signed up for a part D drug plan- Blue MedicareRX in December but I have not recieved my card. I am not sure who to contact.
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| • How can I check to see if my Aetna plan is active? |
| • How can the Pharmacy see if my Humana plan is active? |
| • How do I get a Letter of Coverage from Humana |
| • How do I create an online account on the Humana website. |
| • How can I change my Humana payment option? |
| • I enrolled in December 2005 for a February 2006 effective date. Why did I receive a card with a January 2006 effective date? |
| • How do I get a prior authorization form for Humana? |
| • I went to the pharmacy and they charged full price for my medicaitons instead of the Humana $30 co-pay, why? |
| • I am having trouble accesssing myHumana. Now I can't find the website! |
| • How do I contact Humana when I have a question about my Medicare Part D plan? |
| • My name is mis-spelled or incorrect on my Humana Medicare Part D ID card - how do I get this corrected? |
| • How do I change the method of payment for my Humana Medicare Part D plan? |
| • I enrollled in the wrong Humana Medicare Part D plan - I wanted the Enhanced plan, but signed up for the Standard Plan. |
| • I enrolled in a Humana Medicare Part D plan, but I was charged the full or wrong price for my Medication! How do I get reimbursed for my out of pocket expenses? |
| • I received a phone message from Humana saying that they will deduct Jan, Feb & Mar payments from my social security check in March. This is not what I wanted, what do I do? |
| • How do I contact Humana about my Medicare Part D plan? |
| • Is Niaspan covered by the Humana (or any other) Prescription Drug plans? |
| • What is the procedure for getting medications by mail on the AdvantraRx plans? |
| • How do I contact AdvantraRx? |
| • What happens if I drop my present Part D plan because of insuficient use. Then, what happens if I were to reenroll at a later date (possiblly in 3 or 4 years?). Niether my Wife nor myself have even come close to the $250.00 initial deductible (even when considered together) - so the Part D plan seems a waste of money at this point. |
Medicaid or Extra Help | |
| • I am not suppose to have a deductable. I cannot pay for my medicine. I get State Aid. Help!!! |
• My son is on Medicaid. He was assigned a Medicare Part D plan and his plan in Georgia does not cover one of his medications. What do we do?
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• My parents used have medicaid to cover their drugs. They got a letter in 2005 from the insurance company that said they will automatically transfer my parents to a new medicare D plan. My parents waited untill 2006 but have not received any information about their new plan. I called the company today. They said they can not offer the medicare D to them because my parents only have Medicare B plan. Can you kindly tell me how my parents can do now?
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• I am having trouble getting the extra help that I qualify for at Wal-Mart, and I need to pick up 2 prescriptions that are ready that I cannot afford without the extra help.There is a problem on your end per Medicare & Social Security. Please contact me ASAP so I will know what to do.
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| • I should be getting "extra help" and am not. What do I do? |
| • Where do I find more information on Tri-Care - for instance, where can I download the Tri-Care Forms? |
AD & D | |
| • Is the AD&D premium per month or for the year? |
| • What is the difference between the policy owner and the beneficiary? |
| • What methods of payment are accepted for AD&D policies? |
| • I see a monthly premium for Accidental Death & Dismemberment AD&D being directly deducted from my checking account. I don't think that I ever signed up for such insurance coverage! Where is this deduction coming from? |
| • To which fax number do I fax the completed AD&D application form. |
| • If I am involved in a fatal accident within 3 months of the policy activation, will the beneficiary be paid. |
| • Can my beneficiary live outside of the united states? |
| • Why would I purchase AD&D insurance as opposed to normal Life Insurance? |
| • I just got a motorcycle. If I have an accident will I be covered. |
| • Can I get AD&D coverage if I am on disability? |
| • Am I covered if I am shot while testifying in court. |
| • Do I have to be employed full-time to qualify for AD&D coverage? |
| • We have two employees interested in AD&D insurance. Do they need to have separate quotes? |
| • How far in advance of travel can I buy my AD&D policy? And what would happen if my travel were to be canceled? Do I get a refund? |
Student Health Insurance | |
| • Would I have coverage in Canada and Europe under the Student Select Plan? |
| • What is the maximum benefit for Medical Evaculation and how does it work? |
Short Term (Temporary) Health Insurance | |
| • Under the Fortis plan do I have to go to certain doctors and hospitals? |
| • We are US citizens who have been out of the country for 7 out of the last 12 months. On the STM quote form for temporary insurance they ask if one has been a "legal resident of the United States for the last 12 consecutive months". Does this apply to us? |
• Does this coverage include psychiatrists,psychologists,therapists? If so is there a limitation on visits in/outpatient therapy as well?
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Travel Insurance | |
| • Do you offer travel insurance for a sports vacation? |
| • If I get sick or in an accident, do I have to pay first and then get reimbursed? |
| • Who makes the decision on evaculation vs. local medical treatment |
| • Are pre-existing conditions covered under this policy? |
| • I would like to purchase Trip Cancellation/Interuption Insurance for a 60 day trip. Can I do this? |
| • Does the Trip Cancellation/Travel Interruption Insurance have a deductible? |
| • How is the H1N1 swine flu handled on International Medical Group's Travel and Trip Cancellation Insurance coverage |
About Us | |
| • Who are you? |
• I noticed on your Medicare emails that you are "speciality insurance brokers". Can you or do you know of any life insurer that would issue a $10,000 to $20,000 or so life insurance policy on my husband? He is 70 years old, has no life insurance and is in treatment for prostate cancer.
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| • How much does it cost me to use you as my agent or purchase through your firm? |
| • What is the Monthly Premium in Medicare Part D? |
Individual/Family Health Insurance | |
| • I am looking for health insurance, but I am not total clear on the Coinsurance percentage and the Coinsurance Out-of-Pocket options. |
| • I am looking for medical insurance coverage for both me and my husband. I recieved a quote of $330 per month but I want to know if it will change once I enter all of our information and don't want to commit if I can't accept the price. |
| • What is a HIPAA policy? |
| • What are the factors that exclude a person from "preferred" pricing for premiums? |
| • Are there family plans with a rate guarantee? |
| • What is a Health Savings Account ("HSA")? |
| • What Is a "High Deductible Health Plan" (HDHP)? |
| • How much does an HSA cost? |
| • Who is eligible for a Health Savings Account? |
| • Does the HDHP policy have to be in my name to open an HSA? |
| • I don't have health insurance, can I get an HSA? |
• May a self-employed person contribute to an HSA on a pre-tax basis?
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• Can I use my HSA to pay for medical expenses incurred before I set up my account?
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| • Who can help me establish an HSA account? |
| • I am a North Carolina resident who has been denied health coverage. Are there any options for me? |
Health Savings Accounts | |
| • What is a Health Savings Account ("HSA")? |
| • What Is a "High Deductible Health Plan" (HDHP)? |
| • How can I get a Health Savings Account? |
| • How much does an HSA cost? |
| • Who is eligible for a Health Savings Account? |
| • Can I get an HSA even if I have other insurance that pays medical bills? |
| • Does the HDHP policy have to be in my name to open an HSA? |
| • I don't have health insurance, can I get an HSA? |
| • I'm on Medicare, can I have an HSA? |
| • I am a Veteran, can I have an HSA? |
| • I'm active-duty military and have Tricare coverage, can I have an HSA? |
| • My employer offers an FSA, can I have both an FSA and an HSA? |
| • My employer offers an HRA, can I have both an HRA and an HSA? |
• My spouse has an FSA or HRA through their employer, can I have HSA?
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| • I don't have a job, can I have an HSA? |
| • Does my income affect whether I can have an HSA? |
| • Can I start an HSA for my child? |
• I'm a single parent with High Deductible Health Plan (HDHP) coverage but have child/relative that can be claimed as a dependent for tax purposes, and this dependent also has non-High Deductible Health Plan (HDHP) coverage. Am I still eligible for an HSA?
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| • How much can I contribute to my HSA each year? |
| • I have a very high deductible, is there a limit on how much I can contribute? |
| • Do my HSA contributions have to be made in equal amounts each month? |
• Does my contribution depend on when I establish my HSA account or when my High Deductible Health Plan (HDHP) coverage begins?
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| • Can my employer contribute to my HSA? |
| • Do my contributions provide any tax benefits? |
| • If my employer contributes to my HSA, does that also provide me any tax benefit? |
| • Can I make contributions through my employer on a "pre-tax" basis? |
• Can I claim both the "above-the-line" deduction for an HSA and the itemized deduction for medical expenses?
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• I'm over 55 and would like to make catch-up contributions to my HSA, like I've done with my IRA. Is that possible?
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• I turned 55 this year. Can I make the full "catch-up" contribution?
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• If both spouses are 55 and older, can both spouses make "catch-up" contributions?
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• If each spouse has self-only High Deductible Health Plan (HDHP) coverage (neither spouse has family coverage), how much can we contribute?
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| • If both spouses have family High Deductible Health Plan (HDHP) coverage but one spouse has other coverage, are both spouses eligible for an HSA? How much can each spouse contribute? |
• Does tax filing status (joint vs. separate) affect my contribution?
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• Does an HSA pay for the same things that regular insurance pays for?
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• How do I know what is included as "qualified medical expenses"?
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• Who decides whether the money I'm spending from my HSA is for a "qualified medical expense?"
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| • What happens if I don't use the money in the HSA for medical expenses? |
• Are dental and vision care qualified medical expenses under a Health Savings Account?
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| • Can I use the money in my HSA to pay for medical care for a family member? |
| • Can I use my HSA to pay for medical services provided in other countries? |
| • Can I pay my health insurance premiums with an HSA? |
| • Can I purchase long-term care insurance with money from my HSA? |
• I have an HSA but no longer have High Deductible Health Plan (HDHP) coverage. Can I still use the money that is already in the HSA for medical expenses tax-free?
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• What happens to the money in my HSA if I lose my High Deductible Health Plan (HDHP) coverage?
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• Do unused funds in a Health Savings Account roll over year after year?
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| • What happens to the money in a Health Savings Account after you turn age 65? |
• Can I use my HSA to pay for medical expenses incurred before I set up my account?
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| • Who will be the "bookkeeper" for my HSA? |
| • I can't find a bank or credit union to open my account, what can I do? |
• How do I use my HSA to pay my physician when I'm at the physician's office?
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• What do I have to do to "establish" my HSA account?
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| • Who can help me establish an HSA account? |
| • My bank/credit union doesn't offer HSAs, can I be my own trustee or custodian? |
| • What is the difference between an HSA "custodian" and an HSA "trustee"? |
• Can couples establish a "joint" account and both make contributions to the account, including "catch-up" contributions?
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| • Must couples open separate accounts? |
| • How soon can I open my account? |
• I want to make sure my HSA is "established" as soon as possible. Can I establish my account before my High Deductible Health Plan (HDHP) coverage begins?
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| • Who has control over the money invested in a Health Savings Account? |
| • Can the funds in an HSA be invested? |
• Will my bank notify me if I've exceeded my allowable contribution amount?
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• Can I borrow against the money in my HSA?
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• Can I roll the money in a Health Savings Account over into an IRA?
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• Can I roll over an IRA, 401(k) or other retirement plan into an HSA?
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• Can I roll funds in my Archer MSA into my HSA?
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• What happens to the money in my HSA when I die?
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• As an employer, do I own my employees' HSAs? Can I control how they spend the money in them?
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• My employees want to contribute to their HSAs but want to make sure they get a tax benefit out of doing so. How does that work?
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• How much do I have to contribute to my employees' HSA, as an employer?
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• Do HSA contributions have to be made in equal amounts each month?
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| • As an employer, do I have to contribute the same amount to every employee's HSA? |
• Our company offers benefits through a Section 125 plan, do contributions have to be comparable under these plans as well?
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• Our company wants to offer "matching" contributions, can we do that?
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• I don't offer health insurance, but some of my employees have opened HSAs and I'd like to help them out, what can I do?
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• How are contributions treated for owners and shareholders of S corps?
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• How are contributions treated for partners in a partnership or limited liability company (LLC)?
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Guaranteed Issue Insurance | |
| • What types of insurance offer guaranteed issue plans? |
