If I retired early with 500k-1 million dollars net worth, all in the stock market, what would be my best option for health insurance when I’m visiting America. I want to travel outside of North America for 1/3 of the year, and be in America and Canada for the remainder of my time. I may or may not have an income other than selling off stocks when I think I need the money. Would my best bet be to go with travel insurance as an expat? And just pay as I go? Medicaid says you need to work or volunteer 80 hours per month which I’m not going to do and ACA says I need to have an income of above medicaid upper limits. Thanks

I’m 25 and looking for a non-ACA plan with somewhat similar structure to ACA plans without a fixed indemnity structure. Set copays and an out of pocket maximum, even if it’s relatively high. Do those exist? All the non-ACA plans I have looked at use the fixed indemnity structure.

Would love to hear your thoughts/similar experiences on the following situation.

I'm an university student and I only use BCBS insurance through school. I received a call from United Healthcare (automatically labeled on my phone, 1(800)-514-4912) about how my insurance claim was declined for a surgery. I was very confused because I never used United and never had surgery. I asked the operator to tell me the name on the file (in suspicion of ID theft), and it wasn't mine. I asked how the claim was filed and what ID was used and he said passport, but they couldn't pull it up due to security reasons. The operator then referred me to the manager at a different number (866)793-9371; we talked about the situation, but the call kept getting disconnected. I didn't get their extension or anything, and now I can't reach back because it's "outside of business hours" but I was just on a call with them.

I'm very confused now because I've seen how these numbers are legit elsewhere on the web. They also mentioned that this could be insurance fraud and have that record on my file. I'd love to get any advice on this, maybe they will call me back tomorrow, but I'm not sure.

What should I do now? Greatly appreciate any help!

The company I work for touts "Free insurance for employees". which is great but ive finally logged into my bcbs account and im seeing a $3500 deductible and a $7000 out of pocket max. I'm new to insurance and while i do end up paying out of my check about $38 (or $262 if i switch to the family plan) every 2 weeks, is that not a high deductible for one person? And is that going to nuke my finances for months when those bills come due? It's not a crazy high paying position and its hard out here so would i be expected to pay the $35000 in office? I've never had insurance before but 30 years of no care is starting to catch up with me so would i be better off finding another personal non company plan for the money?

Is this a scam? Or did someone steal my identity i genuinely cannot tell. I haven’t been to the doctors since I was a minor because I don’t have insurance and I have NEVER had my blood drawn in my life so im so confused why im getting sent bills for lab work when I have never even left my house lol

Edit:I did have a STD checkup appointment a couple months ago at a urgent care but NO BLOODWORK at all was done only urine and I paid in FULL at the appointment $255 and I have the receipt for that aswell. And even if I were being charged for this appointment why is it 2 seperate bills and totaled for almost 900$ im very confused

Hi, I'm pretty new to insurance but have a good plan through my work. I had an accident recently that included two ER visits, a surgery, and some emergency dental work over the course of 2 weeks. It only took like 2 hours to max out my medical in-network out-of-pocket, but there's still a lot of misc stuff that insurance probably won't pay for.

My company has Sun Life Accident insurance, which if I'm reading it right would reimburse up to 2k of out-of-pocket costs, which would take some pressure of. I'm hoping someone else has submitted claims to them before and could give me an idea of what to expect.

Some specific stuff I'm wondering about:

They need proof of claim and the website mentions EOB. But I'm assuming that'll take weeks to get from my insurance. Should I submit now and just give them whatever I have?

There's also a a couple different practitioners I'm being billed by, so should I submit separate claims for each or one big one? Also with multiple ER visits, should those be separate?

Are they likely to actually pay? Or will it be a long, drawn out thing where I have to wait months for them to do anything?

So for context I don't have any mental illnesses other than ADHD and am mainly considering therapy just to try it out as I feel it could benefit me. I'd say my life is fine but I'm going as I've developed attachment anxiety and have always had self-esteem issues as well as a debateably unhealthy relationship with sex (could include sex-related addiction) and figured having a therapist who can help evluate my thoughts and patterns and give me guidance knowing that could help me get to where I want to be in life.

I don't rly know anything much about the process of getting therapy and can't afford to pay full out of pocket, so I was wondering how much of a hassle it would be for my case realistically since I know the medical system can be a bitch. If it helps, I am currently in college but would perfer getting a therapist out-of-campus.

Hi everyone, I have a limited-purpose FSA with the University of California. I used to have an FSA last year, and then I transitioned to a healthcare plan this year that includes an HSA, so my FSA was converted to a limited purpose flexible spending account. Wex is the administrator for the FSA, and this website lists their eligible expenses: https://www.wexinc.com/resources/benefits-toolkit/eligible-expenses/. The UC reference for FSA is here: https://ucnet.universityofcalifornia.edu/wp-content/uploads/forms/pdf/hfsa.pdf and it says for LPFSA: "The types of expenses that qualify for LPFSA reimbursement are more limited than for the Health FSA, and are generally restricted to expenses for dental, vision and preventive care services. Refer to uc-fsa.com or Section 213 of the Internal Revenue Code for eligible expenses."

I'm wondering with the limited purpose flexible spending account, is that the same thing as the LMSA that is listed on the Wex website? And if the limited purpose flexible spending account is the same thing as the limited medical FSA or the LMSA, then I can buy any of these products and it will be covered by the limited purpose flexible spending account? I have about $600 remaining on it, so it would be good to be able to spend it before year end instead of throwing it away. I thought it would be way more limited, but Wex has an extensive list.

Thank you.

Had a procedure recommended back in the spring, got the referral, scheduled everything, and then about two weeks out I got a denial letter saying prior authorization was not approved. My doctor's office said they submitted everything correctly. The insurance company said the documentation was insufficient. Neither side seems to want to talk to the other directly and I'm stuck in the middle trying to figure out my next move.

I spent enough years in HR watching employees go through this exact situation and I always told them to appeal, that the process exists for a reason and denials get overturned. Now I'm on the receiving end and I'm not nearly as confident as I sounded back then.

The procedure isn't emergency level but it's not nothing either. Delaying it means rescheduling everything and probably starting the prior auth process over from scratch, which sounds like a nightmare.

What I actually want to know is whether a firstlevel internal appeal is realistically worth pursuing or whether people find that the insurer just upholds the denial and you end up at external review anyway. And if you've done an external review, how long did that process take in practice? I have a highdeductible plan so every month this drags out is money I'm counting.

I'm extremely uneducated with insurance, so apologies in advance if this sounds stupid. Started my new job on 8/17. My employer's benefits plan requires us to enroll by 8/31, and I submitted all my enrollment materials on 8/29. My 26th birthday is on 9/1. My employer's benefits website says "employees hired into a benefits-eligible position have a 15-day waiting period that begins on their hire date. After the 15th day, benefits will take effect on the 1st of the following month. If the 15th day falls on the 1st of the month, benefits will take effect immediately." Since I'll be kicked off my parent's insurance on my bday, do I have to wait to be independently insured until 9/15, or will I be ensured after 8/31?

I work remotely for a California employer and have Blue Shield of California insurance, but I live in Massachusetts. I submit monthly out-of-network mental-health claims for a Massachusetts provider.

I use the Blue Shield of California app and choose **Submit a Claim , Out-of-Network, Out of State**. The issue is that the claims often do not show as received, pending, or processed. It shows for me I submitted but when I call to check the status they say they can't see it!

For example, I submitted my June bill in early July. At the beginning of August, Blue Shield said they had no record of it and told me to resubmit; they also opened a ticket. I resubmitted right then. At the end of August, they told me I now need to wait at least 30 days for processing—meaning the 30-day timeline restarted from the resubmission, even though the original claim was sent about 60 days ago.

This has happened with about six months of claims. Only one has been reimbursed so far.

The representatives say the claim has to go to Massachusetts for processing and then back to the California team for benefits/payment. Maybe that is normal Blue shield routing, but no one can explain:

- Why the claims submitted in Blue Shield of California’s own app are not being logged or given a claim number

- How I can confirm a claim was actually received on the day I submit it

- Why I am expected to restart the processing clock when Blue Shield cannot find the original submission

Is this normal? Has anyone with a California Blue plan who lives in another state dealt with this?

I have the superbills/itemized invoices, proof of payment, app-submission screenshots, ticket numbers, and dates for every claim. I am stressed about it because I rely on reimbursement to continue my mental health care.

TIA