What happens other than denial of the purchase is the vendor asking you for some money out of some other pocket of your money to pay its charges and you not being able to come up with a substantive enough reimbursement request to the scheme operator to give you back your money from "FSA."

Get all of your deducting, co-somethings, and OOPing ducks in order. Those are the first 3 ducks.

High yield offer will get you a few more dollars in interest if you take the 12 mo. option vs. the no penalty offer of 11 mos. only. Your timeline; your call.

Something has gone very, very wrong with calculating how much, if anything at all, you owe Treasury to repay what it paid an insurance seller on your behalf.

The one where you owe Treasury some/all of the public funds subsidy it paid an insurance seller in 2022 because it turned out you earned more money than you or Treasury guessed you would.

>Your insurance premiums are paid to insurance companies

Treasury's funds are paid to insurance sellers,

>and have nothing to do with April tax time.

and have absolutely everything to do with April tax time.

You should first ask the insurance seller for its "EOB" regarding this billing event. Any person or business that's owed money can use whatever legal means are available to to recover the money owed, and that includes the civil court system. But I wouldn't worry too much, or at all, over his vendor and its $250 demand.

What does the insurance seller say about how much you owe the vendor?

>I spoke with their billing to see what’s going on and they can not provide me with an itemized bill.

"Itemized bill" spell doesn't work as well as its touts say it does or believe it does. What it does do is save professional, 3rd party, retail health bill fighters a first punch if you've already hired those in or plan on hiring them in. They'll appreciate you for it.

>I received a letter from MBA Law (collection agency)

>Should I ask them for an itemized bill?

A 3rd party debt collector does not have access to your medical record with which it could generate an "itemized bill." If it does have access to your medical record, that's a far bigger problem than $n in health care-induced debt now in hands of a 3rd party debt collector.

But let's get to the actual good news!

The credit history/reporting/score-generating industry imposed a 180 day "free clean up" moratorium on itself in 2017 regarding health care-induced debt.

180 days is now 365 days.

Clear your health care-induced debt within that window of opportunity and the credit history/reporting/score-generating industry promises no damage or downgrade to your credit score.

Paid health care-induced debt is no longer included in consumer credit reports.

And there's a new offer of a health care-induced debt obfuscation deal worth up to $500, maybe even more ..., beginning sometime in 2023!

Why did the credit reporting/history/score-generating industry do this? The generational pervasiveness and sheer dollar amount of health care-induced debt in America: people with shit credit can't buy or keep buying homes, cars, and legitimate consumer services/goods on credit.

If you're changing payer brands or payer products, of any dependency, you can expect any prior deducting, co-somethings, or OOPing achievement to reset to $0 achieved.

You can move your funds to any scheme operator you want. If your employer is shifting some of its excess payroll funds into the product rather than putting those funds into your wages, it's under no obligation to keep doing that via the scheme operator you choose if you choose a scheme operator other than the one your employer chose.

>why should I be required to pay a company I never

Because consumer debts are assets. Assets that someone owns and can sell to pretty much anyone else who wants to buy the assets. Over and over and over again. You owe them the money they used to buy the assets.

Consumer debt isn't worth as much as a debt secured by the underlying value of property, like the mortgage debt for your home or the loan you took out to buy a car, but they're assets nevertheless.

Your home can be foreclosed and your car can be repossessed and both sold to cover some of the lender's money you got to buy the home and the car in the first place. Your dinners at Nobu and The French Laundry, or your transplanted kidney, or the metal plate that's holding your skull together, not so much.

HUM isn't going to take the money off the vendor's biller because it can't take the money off the vendor's biller. The money isn't HUM's money.

The biller won't respond to the customer's requests for the money.

That leaves ... what or whom as a means of recovering the money?

Ask her employer how to get out of her employer's employer-dependent health coverage.

Small claims, your jurisdiction, Monday morning.

Estate planning attorney. Monday morning.

HSUS Charitable Giving

They don't. And the IRS takes nothing but retroactive notice of rule adherence regarding this product in accordance with its overall audit rates.

>HSP

Tf?

>HSA eligible

oh

>Emergency care is paid as if it were in network

Mandated by "No Surprises" as of 1/1/2022. Don't sign away your end-use emergency health care customer protections, knowingly or otherwise, if you've done an ER consumer-driving run.

>Free preventative care

Again, mandated. By the ACA itself since 2010 and for any ACA-compliant coverage product. But do look carefully at the list(s) of items you can put in your cart for free at the point of sale, once a year, before you actually put something in your cart thinking it's free at the point of sale once a year.

Tax avoidance product among a range of short and long term personal and business income tax avoidance/deferment products. Straight, across-the-board avoidance with this one, personal/business income tax as well as Social Security and Medicare funding contributions; no deferment aspect.

As long as you pay the payer that sells this coverage product and consumer-drive only to and from the vendors this payer will pay, two of which are your own employer's stores, you can kinda guesstimate that you'll be OOPed out of $4000 + ($19*pay period)/year at most.

>Free yearly physicals

This isn't a "feature" of this product. It's mandated for all ACA-compliant coverage products. Check the specific items you can put in your cart for free at point of sale, for all adults and for women if applicable, carefully.

>on my company’s HR site and it shows my inhaler will be $0 a month on this plan. It’s covered as a maintenance medicine.

Insurance sellers' formularies can and are changed at will unless geographically-dependent regulation (50 instances of it) says otherwise

"What amount of premium tax credit is available?" and Table 2. For now (Inflation Reduction Act).

>Does that mean that I would be receiving $1,100 x 12 months (13,200) for my refund next year if I didn't take the tax credit for health insurance?

Not exactly. But maybe ...

When you file your Federal tax return for 2022, you'll "reconcile" all of this "APTC" monthly discounting and insurance seller premium paying from your pockets of your money all year according to a specific formula.

Three variables in that formula matter:

1. How much of a discount you were originally eligible for ($13,200) that was never paid to the insurance seller by the Federal government for the coverage product you bought. This amount is determined by your estimated income for 2022. That's why it's called an "Advance Premium Tax Credit." The Federal government can advance the insurance seller $13,200/yr. in public revenue (general income tax revenue) to pay it for a coverage product premium you buy.

2. How much you actually ended up being eligible for during the year, which is based on your actual earnings in 2022 as well as household composition (how many people are dependent upon the actual income), and how many people were actually enrolled in the coverage product, their ages, and their zip code. This amount, your "Premium Tax Credit, may or may not be the same amount as your original "APTC." Because nobody is guessing anymore. Your actual earnings are available to use for calculating your monthly discount.

3. The "cost" of the "second-lowest cost silver plan" available for purchase in your zip code.

<Math_here> ultimately determines how much your Federal tax obligation is reduced (yea, a refund!) or increased (oh no, owe taxes?!?) and according to the variables.

>I get that it’s not the kind of emergency

It's not any kind of emergency if the customer received a recommendation to seek care elsewhere other than an emergency department/room. That's the insurance seller's position and it's not going to blink.

What you're asking (?) the insurance seller to do is make what's called a "network gap exception" in order for the customer to seek necessary health care from "OON" vendor(s) and have the insurance seller reimburse the vendor(s) at the "IN" rate. Assuming the vendor(s) agree to (1) take/accept/participate in the insurance seller's reimbursement scheme in general and (2) accept the reimbursement rate(s) for <something_here> in particular.

>recently break his collarbone

>does not have insurance

Can we fix that before the next body part breaks? Shopping mall opens at 12:01am his time.

>shop around for Orthos who will allow him to set up an "out-of-pocket" payment plan

Do be aware that health care vendors are not regulated as credit-granting entities. They can, will, and routinely do offload receivables to 3rd party debt servicers/debt buyers despite timely payments from indebted health care customers made in accordance with the vendor's own payment arrangement agreement. You can include the facility where any prior medical care was delivered, as well.

tl;dr: a>$0 balance owed can wind up in collections at any time.

Also be aware that no orthopedic surgeon is going to proceed with treating an elective surgery consumer without a 3rd party payer in the mix. Cash up front and in full should yield an in-person consult exclusive of any diagnostics involving any form of imaging.

> I'm not sure if I know the "actual premiums" involved.

The average amount an employer pays toward the "cost" of any employer-dependent health coverage product premium is 73% of the sticker price.

If $125.38 is being subtracted from your pay to pay the insurance seller for the product "H" premium, now you kinda know what the "cost" is: 125.38/.27=464.37.

Revolut? Xe?