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If your first plans are through your employer you can try two options. First see if the company offers any voluntary supplemental plans. These are group plans that you have the option of purchasing or not. The advantage to buying these from your employer is that they may be eligible for payroll deduction which means the cost is pre-tax. If your employer does not offer such plans or your first plans are individual plans then speak with an agent that specializes in health care and ask about supplemental plans. There are many good plans on the market. Given the way the question was asked, you should look for what are called indemnity plans. This type of plan pays you for an incident based on a schedule with no regard for what it costs you. For instance, I have plans that will pay you $75 for a doctor visit or $1000/day for a hospitalization.

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โˆ™ 2008-11-03 19:21:16
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Q: How do you purchase a second medical and dental plan so you do not have so much out of pocket expenses?
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What are out of pocket expenses?

Out of pocket expenses are business expenses for which the individual who accrues these expenses is not reimbursed by the company they are employed by or from the business itself if they are the business owner.


I was thinking about getting Humana Compbenefits Dental plan. What other dental plan or insurance can I use to help with out-of-pocket-expenses together with Humana Compbenefits Dental Thanks.?

You should look into Strait Orthodontic Plan 1770 Old Spring House Lane, Atlanta, GA - (770) 451-5740


I have no dental insurance and will be paying out of pocket expenses. I need a quote for upper dentures to include 3 tooth extractions. Please advise. Thanks?

I have no dental insurance and will be paying out of pocket expenses. I need a quote for upper dentures to include 3 tooth extractions. Please advise. Thanks how much for upper and lower dentures i have no dental lnsurance and wi;; be paying ot of pocket for full uppers n need a quote My friend has no insurance and needs about 7 teeth on top pulled and dentures. How much would this cost? Can she also get a payment plan?


How does medical expense insurance differ from disability income insurance?

Medical expense insurance: Covers some or all of the out of pocket expenses paid by the insured for covered medical expenses. Disability insurance: Makes up for some or all of the income lost during the disability of the insured.


What are the average out of pocket costs for AARP insurance?

Average out of pocket costs for aarp insurance depends on your current medical state. If you have many health issues, your out of pocket expenses will be higher than others with little health issues.


Can you claim mileage for driving to and from the doctor on tax return?

Yes as a part of your unreimbursed medical expense when you are using the schedule A itemized deductions of the 1040 tax form. Unreimbursed medical expenses are deductible using the schedule A itemized deductions of the 1040 tax form subject to the 7.5% of adjusted gross income limit. The amount over the limit is then added to all of your other itemized deductions on the schedule A. Go to the IRS gov website and use the search box for Publication 502 Medical and Dental Expenses Transportation You can include in medical expenses amounts paid for transportation primarily for and essential to, medical care. Car expenses You can include out-of-pocket expenses, such as the cost of gas and oil, when you use a car for medical reasons. You cannot include depreciation, insurance, general repair, or maintenance expenses. If you do not want to use your actual expenses, for 2009 you can use the standard medical mileage rate of 24 cents a mile. You can also include parking fees and tolls. You can add these fees and tolls to your medical expenses whether you use actual expenses or use the standard mileage rate. Example


What does unreimbursed medical expenses mean?

To family court it means that any medical expense incurred which comes directly out of your pocket, and is not ever going to be paid back to you by an insurance company, benefactor and or government agency.To the IRS, it means, any medical expenses incurred which comes directly out of your pocket, and is over 7.5% of your gross income and is not ever going to be paid back to you by an insurance company, benefactor and or government agency..


Can medical insurance cover dental cosmetic surgery?

No most dental procedures are done by dentist which don't fall under most health plans. A dental health plan is aivailable at most employers and independent. Otherwise one usually have to pay out of pocket.


Would out of pocket cost-co-pay for Medical-Dental insurance be considered uninsured health care expense?

probably not


Will my dental insurance cover the full cost of dentures?

Most dental insurance companies cover some or all of the cost of dentures. In order to know for sure, you or your dentist office can contact your insurance company directly and ask a representative what the out-of-pocket expenses are concerning dentures.


Can you run out-of-pocket expenses from one spouse's medical plan through the other spouse's FSA plan?

Yes you can- from IRS publication 502 - Eligible FSA ExpensesSpouseYou can include medical expenses you paid for your spouse. To include these expenses, you must have been married either at the time your spouse received the medical services or at the time you paid the medical expenses.Example 1.Mary received medical treatment before she married Bill. Bill paid for the treatment after they married. Bill can include these expenses in figuring his medical expense deduction even if Bill and Mary file separate returns.If Mary had paid the expenses, Bill could not include Mary's expenses in his separate return. Mary would include the amounts she paid during the year in her separate return. If they filed a joint return, the medical expenses both paid during the year would be used to figure their medical expense deduction.Example 2.This year, John paid medical expenses for his wife Louise, who died last year. John married Belle this year and they file a joint return. Because John was married to Louise when she received the medical services, he can include those expenses in figuring his medical deduction for this year.


With dual medical coverage are there any out of the pocket expenses for the patient such as copays?

Maybe, you would have to check the benefits on both policies. for more info see www.steveshorr.com/supplemental.htm


What is the definition of covered medical expense?

A covered medical expense is an event/procedure that your insurance company will pay for, in full or in part (perhaps with a co-pay or deductible). Uncovered expenses are things you're expected to pay out of pocket.


Why would a judge rule to have a father temporarily pay zero dollars in child support day care medical premiums or out of pocket medical expenses while unemployed?

Because she recognizes the problems of unemployed fathers in this economy.


Are hearing aids tax deductable?

Yes, as a medical expense on Schedule A. If you don't itemize deductions, then they're not deductible. You can deduct the hearing aid, plus batteries and maintenance costs as a medical expenses. Unfortunately, medical expenses have to exceed 7.5% or 10% (depending on your age) of your total income to be deductible, so you may not really be able to deduct them. For example, if your total income is $50,000 and your out of pocket medical expenses are $6,000, you only get to deduct $1,000 of your medical (the amount that exceeds $5,000 -- 10% of your income). If your medical expenses in that example were less than $5,000, then none of them would be deductible. Therefore, although hearing aids are deductible, you may not be able to deduct them. It depends on your situation.


Do you need to file a claim with your auto insurance if you wish to seek medical coverage for the injuries sustained?

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Is illness a hardship for inmates?

In British Columbia, Canada inmates get better treatment then the rest of us! I suppose it's because they want them in and out of hospital quickly and back into prison. All their medical bills including dental bills are paid for and the rest of us either are lucky enough to have Medical/Dental at work or we have to pay out of pocket.


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Is it possible to get braces without dental insurance?

Of course, but you'll have to pay for them out of pocket.


If I pay out of pocket for my medical treatment will my insurance company reimburse me?

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