Ryan Kennelly
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What Are Medicare Part B Excess Charges?
Part B Excess charges occur when a doctor overcharges Medicare more than the Medicare-approved amount. Doctors who accept “assignment” have agreed to accept the Medicare-approved amount as full pa...
What Ambetter Health Plans are available in 2017?
I can’t afford a stand-alone dental plan in addition to buying major medical health insurance. Will I be penalized for not having Minimum Essential Coverage if I don’t buy a separate dental plan?
No. You do not need to have pediatric dental coverage to avoid the penalty. Shop Dental And Vision Plans
I applied for a plan on the Health Insurance Marketplace and also applied for a plan directly with BCBSIL, so now I'm getting a bill for both. How do I cancel one?
Are the same Wellmark Value Health Plans available on and off the exchange?
No, the Wellmark Value Plan options are different off-exchange vs on-exchange. If you qualify for a subsidy, you will need to select one of the 4 on-exchange Wellmark Value Plan options: Wellmark ...
What Happens with Premium Tax Credits If a Couple Gets Divorced?
If a couple divorces, each person’s eligibility for premium tax credits will generally be based on his or her own annual income. The former spouse’s income won’t be counted, even if the couple file...
What are Qualified Medical Expenses I Can Pay for With My HSA Account?
Funds you withdraw from your HSA are tax-free when used to pay for qualified medical expenses as described in Section 213(d) of the Internal Revenue Service Tax Code. The expenses must be primar...
Can I Use My HSA Funds to Pay for Medicare Part A or Part B Premiums When I Turn 65? Do I Need to Wait Until My Spouse is Also 65?
Once you reach age 65 your funds can be withdrawn at any time and are only subject to ordinary income tax. However, you may avoid any tax by continuing to use the funds for qualified medical expens...
Can I Use My HSA to Pay for Medical Expenses Incurred Before I Set Up My HSA Account?
No. You cannot reimburse qualified medical expenses incurred before your account is established. We recommend you establish your account as soon as possible.
I Started my HDHP Late in the Year, is my HSA Contribution Pro-Rated?
No, in this case you get special rules. The IRS allows you to contribute all the way up to the 2022 annual maximum limit of $3,650 (HSA holders age 55 and older may make additional annual “catch up...