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Post by MoBuckChaser on Nov 26, 2019 4:52:15 GMT -6
So I'm also shopping around for health insurance. Talked to a local dude and checked into keeping what we have through current employer's. Last night I did an online search and found what I though to be a good place to get a quote. It asked for age, health, all the normal questions one would expect, plus contact information. They said they would get back to me with a quote. What a fricken mistake that was. When I woke up my voice mail box was full. Text messages up the wazoo. Listened to a few messages, computer calls, people talking you couldn't understand. Now I've got a shit load of blocked numbers. I did answer s couple of calls and asked where the caller was calling from. Texas, Florida and my desk were just a few of the answers I got. Talk about a nightmare. Hopefully the information will not be used to steal your identity. If it is like us, coverage will vary with which county you live in. Some companies have refused to cover people in some rural counties. My daughter when to a bankers meeting that told them you can pretty much figure your Identity is already stolen, just no way of knowing when someone will use it. |
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Post by nhmountains on Nov 26, 2019 5:18:34 GMT -6
Well I was in the deer stand yesterday morning and I received a call for Sover NH which is on the coast. I don’t know anyone from Dover so I didn’t answer. It turns out it was senator Shaheen’s office calling me back about HSA reimbursements on healthcare. So after dark I called them back. They’re supposed to be open until 500pm. No answer at 445pm. I left a message saying I’d call them again today. Whatever her answer is going to be I’m going to ask for it in writing.
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Post by Sandbur on Nov 26, 2019 6:51:08 GMT -6
Well I was in the deer stand yesterday morning and I received a call for Sover NH which is on the coast. I don’t know anyone from Dover so I didn’t answer. It turns out it was senator Shaheen’s office calling me back about HSA reimbursements on healthcare. So after dark I called them back. They’re supposed to be open until 500pm. No answer at 445pm. I left a message saying I’d call them again today. Whatever her answer is going to be I’m going to ask for it in writing. They called you. Don’t give them any personal information. |
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Post by nhmountains on Nov 26, 2019 6:58:47 GMT -6
Well I was in the deer stand yesterday morning and I received a call for Sover NH which is on the coast. I don’t know anyone from Dover so I didn’t answer. It turns out it was senator Shaheen’s office calling me back about HSA reimbursements on healthcare. So after dark I called them back. They’re supposed to be open until 500pm. No answer at 445pm. I left a message saying I’d call them again today. Whatever her answer is going to be I’m going to ask for it in writing. They called you. Don’t give them any personal information. I wrote to my senator to have her explain HSA reimbursements since she voted for Obamacare. I’m sure I’ll get some generic answer from her staff. |
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Post by sd51555 on Nov 26, 2019 12:53:48 GMT -6
They called you. Don’t give them any personal information. I wrote to my senator to have her explain HSA reimbursements since she voted for Obamacare. I’m sure I’ll get some generic answer from her staff. If the left could get rid of HSAs, they would. The prospect of poor people getting ahead financially makes it very hard to control them. People shouldn't have to pay for medical care, or save for their retirement. They should just get their ration from the ministry of plenty and call it equal. |
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Post by nhmountains on Nov 26, 2019 15:14:11 GMT -6
I wrote to my senator to have her explain HSA reimbursements since she voted for Obamacare. I’m sure I’ll get some generic answer from her staff. If the left could get rid of HSAs, they would. The prospect of poor people getting ahead financially makes it very hard to control them. People shouldn't have to pay for medical care, or save for their retirement. They should just get their ration from the ministry of plenty and call it equal. I spoke to Shaheen’s office. They submitted an inquiry to the IRS to confirm what’s up. They will get back to me. |
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Post by batman on Dec 1, 2019 18:23:15 GMT -6
My insurance agency claims since i am self employed I can Apply for MNSure if I project my Family of 4 will earn less than 103k next year.
But she’s a dingbat. Will wait for leerex or bwoods.
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Post by Sandbur on Dec 2, 2019 7:46:52 GMT -6
My insurance agency claims since i am self employed I can Apply for MNSure if I project my Family of 4 will earn less than 103k next year. But she’s a dingbat. Will wait for leerex or bwoods. Same story here. |
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Post by MoBuckChaser on Dec 2, 2019 8:20:11 GMT -6
My insurance agency claims since i am self employed I can Apply for MNSure if I project my Family of 4 will earn less than 103k next year. But she’s a dingbat. Will wait for leerex or bwoods. So what would Mnsure save you if you could get on? |
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Post by batman on Dec 2, 2019 9:16:34 GMT -6
My insurance agency claims since i am self employed I can Apply for MNSure if I project my Family of 4 will earn less than 103k next year. But she’s a dingbat. Will wait for leerex or bwoods. So what would Mnsure save you if you could get on? drop premium in half |
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Post by MoBuckChaser on Dec 2, 2019 10:05:13 GMT -6
So what would Mnsure save you if you could get on? drop premium in half That would be worth checking out..... |
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Post by sd51555 on Dec 2, 2019 12:39:55 GMT -6
So what would Mnsure save you if you could get on? drop premium in half Do less. You get the best deal in healthcare the less you do. Oh the weather outside is weather... |
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Post by nhmountains on Dec 4, 2019 4:04:55 GMT -6
If the left could get rid of HSAs, they would. The prospect of poor people getting ahead financially makes it very hard to control them. People shouldn't have to pay for medical care, or save for their retirement. They should just get their ration from the ministry of plenty and call it equal. I spoke to Shaheen’s office. They submitted an inquiry to the IRS to confirm what’s up. They will get back to me. I have to give Shaheen’s office credit. They reached out to their IRS contact and got me an answer. So, currently spouses eligible medical expenses are eligible to be submitted for reimbursement as long as the spouses expenses aren’t covered under their medical insurance plans. Who knows what will happen down the road. “Generally, under 26 U.S.C. § 223 an eligible individual who is covered under a high deductible health plan (HDHP) and meets the other criteria to qualify for an HSA can submit for reimbursement qualified medical expenses incurred by his or her spouse, even if the spouse is covered by an individual non-HDHP (and as long as those expenses are not otherwise covered by the spouse’s insurance). Please see Q&A 36 in Notice 2004-50, as follows: “Q-36. If an account beneficiary's spouse or dependents are covered under a non-HDHP, are distributions from an HSA to pay their qualified medical expenses excluded from the account beneficiary's gross income? A-36. Yes. Distributions from an HSA are excluded from income if made for any qualified medical expense of the account beneficiary, the account beneficiary's spouse and dependents (without regard to their status as eligible individuals). However, distributions made for expenses reimbursed by another health plan are not excludable from gross income, whether or not the other health plan is an HDHP. See Notice 2004-2, Q&A 26.”” |
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Post by nhmountains on Dec 4, 2019 4:07:34 GMT -6
^^^^ I take this to mean if SD ever gets hitched to KBB that her medical expenses from the point of marriage on would be eligible as well. Or if little SDs pop out down the road they’d be covered. I don’t think Bob is covered though.
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Post by Freeborn on Dec 4, 2019 5:47:57 GMT -6
I spoke to Shaheen’s office. They submitted an inquiry to the IRS to confirm what’s up. They will get back to me. I have to give Shaheen’s office credit. They reached out to their IRS contact and got me an answer. So, currently spouses eligible medical expenses are eligible to be submitted for reimbursement as long as the spouses expenses aren’t covered under their medical insurance plans. Who knows what will happen down the road. “Generally, under 26 U.S.C. § 223 an eligible individual who is covered under a high deductible health plan (HDHP) and meets the other criteria to qualify for an HSA can submit for reimbursement qualified medical expenses incurred by his or her spouse, even if the spouse is covered by an individual non-HDHP (and as long as those expenses are not otherwise covered by the spouse’s insurance). Please see Q&A 36 in Notice 2004-50, as follows: “Q-36. If an account beneficiary's spouse or dependents are covered under a non-HDHP, are distributions from an HSA to pay their qualified medical expenses excluded from the account beneficiary's gross income? A-36. Yes. Distributions from an HSA are excluded from income if made for any qualified medical expense of the account beneficiary, the account beneficiary's spouse and dependents (without regard to their status as eligible individuals). However, distributions made for expenses reimbursed by another health plan are not excludable from gross income, whether or not the other health plan is an HDHP. See Notice 2004-2, Q&A 26.”” So elective items like glasses that are not covered by your spouses insurance can be paid for by the dollars you have in your HSA. What if your wife had a procedure that paid 80% of the cost, could your HSA then pay the remaining 20%? Sounds like it would. |
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