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Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

July 2007 Archives

Medicaid Coverage Declined

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Question: I was informed that Medicare would no longer cover my grandson (age 3) because I'm not his legal guardian anymore- but he and his father live with me and (father) cannot afford health insurance. Will this insurance cover my grandson?

Question: I recently applied and was declined for a condition that I have had for over 10 years and that no underlying cause has been found. When the condition does occur, which could happen once or twice in a year or not at all, the prescription used is of minimal cost. Should I appeal the decline?
Thank you.

Question: My husband and I are self-employed and need to purchase insurance. We applied to Unicare and while he was accepted, I was denied due to my "build" (their term). I have no history of high blood pressure or any other health issues often assumed to be linked to a bigger "build." In fact, I lead a healthy lifestyle, walking several miles everyday.

What is my best next step? Shall I apply to another company and simply fudge my height/weight? 10lbs less or 1/2 inch taller and I am within "desired" BMI levels.

Coverage Denial

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Question: I am suffering from metastatic breast cancer and have been treated for several months. Now I am being told that my insurer will only pay for 4 office visits and 300.00 of lab work a year. Can they suddenly change my coverage like this after my deductibles have been met?

Qualifying HSA Withdrawals

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Question: Can I pay my insurance premiums from my hsa account?

Variable HSA Deposits

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Question: >> I'd would like to pay a certain amount into my United Healthcare servings account. I understand the monthly minimum amount is $25 but are you flexible to allow my deposit to fluctuate each month as long as I do not deposit less than $25 a month? I mean, would you allow me to deposit, for instance, $50 in one month, $38, in the next, $100 in the following, and so on?

Lump sum HSA Deposits

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Question: is it ok to make lump sum deposits in my hsa accout.

Unused HSA Contributions

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Question: What happens to the money in my health savings account if I havent used it by the end of the year? Is it like a caffeteria plan and I lose it if I dont use it?

Question: I recently bought a HSA PPO health plan but the insurance doen't have an actual health savings account to go with it. do you have any recomendations?

Health Insurance Portability

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Question: Can i continue to have the same insurance plan ,even if i change the employer?

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