 Can a hospital refuse a patient without health insurance when the paitent is not pregnant? |
| I recently lost my job and I do not have health insurance. I have been paying to go to the doctors. I currently can not afford to keep going that route. I have a child that I believes has a U.T.I. I ... |
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 Car health insurance...? |
| Why does car health insurance not exist I mean if it did then you would just pay a premium and then when you took it to a repair shop the insurance would cover it.... |
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 Insurance- is there anything I can do?!? |
Long story- I will appreciate if you read it-
My husband was in the hopsital last summer becuase of a mold allergy (from mold at his work). He was in for 14 days and in very serious condition. W... |
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 [Health Insurance] What is the difference between "deductible" and "maximum out-of-pocket expense limit"? |
| [Health Insurance] I dont exactly understand how both the terms apply to my expenses towards a medical care. I am talking about Physican and Hospital Services in particular, rather than Preventive C... |
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 Anyone bought a trampoline, put it up and then have an insurance company demand you take it down or drop you? |
| Insurance company has demanded trampoline come down. Saftety nets, adult supervisor followed to a "T". Spent good amount of $$$ on it! Been up for less than a year. Under warranty. Anyone ... |
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 Have you screwed up more than me? |
| I wrecked my car twice in 1 year, that sucks, 2000 ford mustang GT, hot rodding is not wise people, what should I do, I have a job but deductibles, and insurance have eaten me up within the last 12 ... |
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 Neighbor's gigantic tree falls on my garage. In PA.? |
know this.
My insurance company will pay for the damage to my garage.
Who pays for the removal of the tree?
They say it is an "Act of God" so the person who'... |
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 How safe are Aig annunitys .They are not Fdic insured? |
| My wife and I each have AIG annuitys .They are not FDIC insured. How safe are they . Can they be rolled over to a FDIC insured fund?... |
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 Question about insurance covering dental procedures? Please answer!!? |
My insurance covered my orthodontics as a teen.
They covered all routine dental work.
They covered a procedure in which I had a baby tooth pulled, because there was no adult tooth ... |
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| Can health insurance coverage be denied (because of a prexisting condition) after COBRA expires? |
| I retired from my job at 65. After my retirement my company "kicked out" our two dependent children from the company health plan. Both children are at this time still covered under COBRA. <... |
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 I am a commercial insurance producer. What are the most profitable industries to go after? |
| I just got started in commercial insurance, property & casualty, risk management, workers comp, etc. I have been told I need to find a niche to specialize in and go after it. My goal obviously is ... |
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 Does Home Insurance cover vandalaism to a car ? |
| Someone threw a bunch of salt into the gas tank of my 89 chevy van. Found this out since the van wouldn't start. Spent a bunch to have it flushed, got pump, filter replaced. Now have a cap with ... |
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Scott B | Is it necessary to be insured to contribute to an HSA account? |
I am choosing to drop my insurance coverage completely and I am not covered by any group health insurance. However, I would still like to establish an HSA savings account for medical expenses. Can I do it?
Additional Details
Our current premium, the cheapest I could find, is costing us just under $5000 a year, doesn't pay when we use it, isn't a hdhp, and I don't believe in going to the doctor anyway as I prefer alternative medicine. I simply want the tax deduction and the savings to use if and when there IS an accident or need for a physical for the kids. Apparently I can't do that, though. Thanks for all the answers. |
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Zarnev
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No, you must have an HSA qualified health plan to be able to establish and contribute to and HSA account. If you want an HSA account visit a local agent that works with all the major companies in your area. The agent can find a health plan that's best for you and they don't charge any extra for the service. If you don't want the health plan you can always open a regular savings account at a bank but you won't get the tax benefits. |
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Ohio Health Insurance
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You will need to take out a HDP (High Deductible Plan). It is essentially a catastrophic policy with fairly low premiums, depending on your deductible.
I would stick with UHC, Blue Cross, Aetna or Humana. Also, please make sure that preventive coverage is NOT subject to the deductible.
I hope that helps!
Ed Harris
http://www.ohioquotes.com
http://majormedicalhealth.com/ |
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Insurance Pickle.com
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NO, you can't contribute to an HSA without having a qualified high-deductible plan...key word is qualified. Not just any high deductible plan will do.
You should rethink your strategy because going without insurance isn't a good idea. AND if you pay taxes the savings by making a contribution to the HSA could cover the cost of the plan (or at least a portion).
Please don't give me the "I'm healthy and never go to the doctor" reason for not having insurance. When you get slammed by a drunk driver, slip in the shower, or have anything happen to you that's an accident you'll get my meaning....quoted by a guy who is also invincible and racked up $10k in medical bills just 4 months ago. But, I was covered and at the end of the day won't have paid for any of those bills. And, $10k in bills is like premium for 10 years so that's a pretty fair trade.
http://www.InsurancePickle.com |
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Jelena
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http://www.flixya.com/blog/GOLDCash360/1/Insurance |
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Sandra T
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The IRS establishes the rules on HSA. You must have a qualified plan to have an HSA. In essence, the money that you have put into the HSA has been accumulated without taxation. The rule is: Taxed in or taxed out. You can keep your present HSA account, but will be taxed when you use it. You could role it over into an IRA which would allow you to use it for critical illnesses, with a one time withdrawal. Ask your tax accountant what is the best way to roll this over depending on how it was set up to begin with. |
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