Ryan Kennelly
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I’m buying coverage on the Marketplace for my family. I notice many health plans don’t cover pediatric dental care, but there are also stand-alone dental plans for sale. Is that allowed?
Each health insurance Marketplace can decide whether to require all insurers to cover pediatric dental benefits or whether to allow the sale of stand-alone dental policies. When stand-alone dental ...
When is the effective date for newborns added to my Aetna plan?
Effective dates for newborns are always their date of birth.
Can I Pay for Dental and Vision Expenses With My HSA Account?
Yes, as long as these are deductible under the current rules. For example, cosmetic procedures, like cosmetic dentistry, would not be considered qualified medical expenses but routine dental proce...
Who Is Eligible for an HSA?
To be eligible for a Health Savings Account, an individual must be covered by a HSA-qualified High Deductible Health Plan (HDHP) and must not be covered by other health insurance that is not a HDHP...
What Silverscript Part D Plans are available in Colorado?
Plan Design – SilverScript Choice Stage SilverScript Choice Premium $32.00 Annual Deductible $0 applies to all tiers Initial Coverage (ICL) SilverScript Choice is a $0 deductible pl...
I just applied for an Aetna on-exchange plan through healthcare.gov. When can I submit payement?
After you have chosen a plan and submitted enrollment to the marketplace, you just need to pay their first month’s premium for their plan to become active on their effective date. All individuals h...
Can I Cancel My Dental Plan?
Generally you can cancel a dental plan at anytime, by not paying, if it’s a stand-alone dental plan. If you have a plan that includes dental, you can switch it during open enrollment, but can’t dro...
Can I Purchase Long-Term Care Insurance with my HSA Account?
Yes, if you have tax-qualified long-term care insurance. However, the amount considered a qualified medical expense depends on your age. See IRS Publication 502 for the amounts deductible by age.
Can I Borrow Against My HSA Account?
No. You may not borrow against it or pledge the funds in it. If you borrowed from your HSA account for non-qualifying purchases and later "replace" the money in your HSA account, you may be subjec...
Do My HSA Contributions Have To Be Made in Equal Amounts Each Month?
No, you can contribute your HSA contribution in one lump sum or in any amounts or frequency you wish up to the HSA maximum contribution. However, your account trustee/custodian (bank, credit union,...