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Search: Posts Made By: Pulaski
Showing results 1 to 11 of 11
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Forum: USA
Aug 28th 2015, 6:22 pm
Replies: 58
Views: 3,579
Posted By Pulaski

Re: Medical Insurance - Deductibles Help

Assuming you haven't been living in the US since May 2013 it sounds like your I-94 records are incomplete. I'd go back to the SSN and show them your passport stamps. ..... Or was your wife's L-1...
Forum: USA
Aug 27th 2015, 9:38 am
Replies: 58
Views: 3,579
Posted By Pulaski

Re: Medical Insurance - Deductibles Help

I am not aware of any requirement to be employed to qualify for an HSA, and there are ACA plans that qualify as "high deductible", so I don't see a problem for someone who is self-employed in opening...
Forum: USA
Aug 26th 2015, 2:15 pm
Replies: 58
Views: 3,579
Posted By Pulaski

Re: Medical Insurance - Deductibles Help

An HRA (health reimbursement ac) must be spent every year, more or less ("use it or lose it", very limited rollover is sometimes permitted), AND is tied to your employment.

An HSA (health savings...
Forum: USA
Aug 26th 2015, 2:09 pm
Replies: 58
Views: 3,579
Posted By Pulaski

Re: Medical Insurance - Deductibles Help

Our BC/BS policy has an OoP. I didn't say that non-Kaiser policies don't have OoP maximums.

I did suggest that Kaiser policies might not have deductibles, as I have never been offered health...
Forum: USA
Aug 26th 2015, 12:18 pm
Replies: 58
Views: 3,579
Posted By Pulaski

Re: Medical Insurance - Deductibles Help

I hadn't realised you were talking about Kaiser Permanente insurance, their policies are atypical, and there may actually be "no deductible", but like Nun said, there probably will be coinsurance,...
Forum: USA
Aug 25th 2015, 9:01 pm
Replies: 58
Views: 3,579
Posted By Pulaski

Re: Medical Insurance - Deductibles Help

They have deductibles, they might call it something else, though I can't imagine what. That is the amount you must pay before the insurance kicks in. Typically it might be $500-$1,000 on a...
Forum: USA
Aug 24th 2015, 11:00 pm
Replies: 58
Views: 3,579
Posted By Pulaski

Re: Medical Insurance - Deductibles Help

I have used the car insurance analogy myself in the past on other threads - if car insurance covered tyres, wiper blades, and batteries, then car insurance would be insanely expensive too! :rolleyes:
Forum: USA
Aug 24th 2015, 9:07 pm
Replies: 58
Views: 3,579
Posted By Pulaski

Re: Medical Insurance - Deductibles Help

Mine has been 100% cash up to now. ..... A few more days like the last three and I will be moving a part (not more than 50%) of the balance into something more "interesting". ..... Thank you for...
Forum: USA
Aug 24th 2015, 8:56 pm
Replies: 58
Views: 3,579
Posted By Pulaski

Re: Medical Insurance - Deductibles Help

The bottom line with health insurance is how tight your family budget is. If your budget is tight then a small unexpected cost can cause a financial crisis, whereas if you can handle (financially)...
Forum: USA
Aug 24th 2015, 8:16 pm
Replies: 58
Views: 3,579
Posted By Pulaski

Re: Medical Insurance - Deductibles Help

After five and a half years, our HSAs (we have one each) in aggregate are now a long way into a five figure balance.

We could pay the maximum OoP payment every year for four or five years from our...
Forum: USA
Aug 24th 2015, 3:13 am
Replies: 58
Views: 3,579
Posted By Pulaski

Re: Medical Insurance - Deductibles Help

What she said. :)

What some people are slow to grasp is that if you have a policy that costs $300/mth with a $2,000 deductible but only have $1,500 medical expenses, you would have been better...
Showing results 1 to 11 of 11


 
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